Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$750,293Cash toward the purchase price.
Closing costs + prepaids$18,495Not just lender fees.
Before credits & paid funds$768,787The complete starting cash picture.
Estimated remaining funds due at closing
$768,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$750,292.55
Your down payment$750,292.55
Closing costs + prepaids$18,494.68
Total buyer cash needed$768,787.23
Remaining funds due$768,787.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,600.00
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)$2,150.00
Prepaid interest, first (26 days)$519.68
Fees + prepaids$18,494.68
Your down payment is the seller’s equity. You take over the $109,707 balance, so the rest of the $860,000 price is paid at closing. A second mortgage can cover part of it. $768,787.23 is due at closing. Uses and sources reconcile at $878,494.68 each. Not a Closing Disclosure.