Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$806,475Cash toward the purchase price.
Closing costs + prepaids$23,119Not just lender fees.
Before credits & paid funds$829,593The complete starting cash picture.
Estimated remaining funds due at closing
$829,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$806,474.78
Your down payment$806,474.78
Closing costs + prepaids$23,118.67
Total buyer cash needed$829,593.45
Remaining funds due$829,593.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,000.00
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)$2,750.00
Prepaid interest, first (31 days)$2,143.67
Fees + prepaids$23,118.67
Your down payment is the seller’s equity. You take over the $293,525 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $829,593.45 is due at closing. Uses and sources reconcile at $1,123,118.67 each. Not a Closing Disclosure.