Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$966,032Cash toward the purchase price.
Closing costs + prepaids$23,507Not just lender fees.
Before credits & paid funds$989,539The complete starting cash picture.
Estimated remaining funds due at closing
$989,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$966,031.96
Your down payment$966,031.96
Closing costs + prepaids$23,506.84
Total buyer cash needed$989,538.80
Remaining funds due$989,538.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,000.00
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)$3,250.00
Prepaid interest, first (1 days)$31.84
Fees + prepaids$23,506.84
Your down payment is the seller’s equity. You take over the $333,968 balance, so the rest of the $1,300,000 price is paid at closing. A second mortgage can cover part of it. $989,538.80 is due at closing. Uses and sources reconcile at $1,323,506.84 each. Not a Closing Disclosure.