Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$774,105Cash toward the purchase price.
Closing costs + prepaids$19,994Not just lender fees.
Before credits & paid funds$794,099The complete starting cash picture.
Estimated remaining funds due at closing
$794,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$774,105.17
Your down payment$774,105.17
Closing costs + prepaids$19,993.65
Total buyer cash needed$794,098.83
Remaining funds due$794,098.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,750.00
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)$1,212.75
Prepaid interest, first (26 days)$805.90
Fees + prepaids$19,993.65
Your down payment is the seller’s equity. You take over the $300,895 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $794,098.83 is due at closing. Uses and sources reconcile at $1,094,993.65 each. Not a Closing Disclosure.