Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$814,313Cash toward the purchase price.
Closing costs + prepaids$20,205Not just lender fees.
Before credits & paid funds$834,517The complete starting cash picture.
Estimated remaining funds due at closing
$834,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$814,312.80
Your down payment$814,312.80
Closing costs + prepaids$20,204.53
Total buyer cash needed$834,517.33
Remaining funds due$834,517.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,499.99
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)$2,375.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (1 days)$24.54
Fees + prepaids$20,204.53
Your down payment is the seller’s equity. You take over the $135,686 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $834,517.33 is due at closing. Uses and sources reconcile at $970,203.53 each. Not a Closing Disclosure.