Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$767,035Cash toward the purchase price.
Closing costs + prepaids$19,835Not just lender fees.
Before credits & paid funds$786,870The complete starting cash picture.
Estimated remaining funds due at closing
$786,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$767,034.71
Your down payment$767,034.71
Closing costs + prepaids$19,835.19
Total buyer cash needed$786,869.91
Remaining funds due$786,869.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,600.00
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)$2,400.00
Prepaid interest, first (29 days)$610.19
Fees + prepaids$19,835.19
Your down payment is the seller’s equity. You take over the $192,965 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $786,869.91 is due at closing. Uses and sources reconcile at $979,835.19 each. Not a Closing Disclosure.