Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$919,729Cash toward the purchase price.
Closing costs + prepaids$27,319Not just lender fees.
Before credits & paid funds$947,048The complete starting cash picture.
Estimated remaining funds due at closing
$947,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$919,729.08
Your down payment$919,729.08
Closing costs + prepaids$27,319.32
Total buyer cash needed$947,048.41
Remaining funds due$947,048.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$15,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,997.50
Prepaid interest, first (2 days)$106.82
Fees + prepaids$27,319.32
Your down payment is the seller’s equity. You take over the $679,271 balance, so the rest of the $1,599,000 price is paid at closing. A second mortgage can cover part of it. $947,048.41 is due at closing. Uses and sources reconcile at $1,626,319.32 each. Not a Closing Disclosure.