Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$860,134Cash toward the purchase price.
Closing costs + prepaids$19,298Not just lender fees.
Before credits & paid funds$879,432The complete starting cash picture.
Estimated remaining funds due at closing
$879,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$860,134.39
Your down payment$860,134.39
Closing costs + prepaids$19,298.10
Total buyer cash needed$879,432.49
Remaining funds due$879,432.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$2,375.00
Prepaid interest, first (27 days)$198.10
Fees + prepaids$19,298.10
Your down payment is the seller’s equity. You take over the $89,866 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $879,432.49 is due at closing. Uses and sources reconcile at $969,298.10 each. Not a Closing Disclosure.