Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$854,691Cash toward the purchase price.
Closing costs + prepaids$20,847Not just lender fees.
Before credits & paid funds$875,538The complete starting cash picture.
Estimated remaining funds due at closing
$875,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$854,690.78
Your down payment$854,690.78
Closing costs + prepaids$20,846.82
Total buyer cash needed$875,537.60
Remaining funds due$875,537.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$1,283.75
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$1,018.07
Fees + prepaids$20,846.82
Your down payment is the seller’s equity. You take over the $244,309 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $875,537.60 is due at closing. Uses and sources reconcile at $1,119,846.82 each. Not a Closing Disclosure.