Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$60,705Cash toward the purchase price.
Closing costs + prepaids$24,647Not just lender fees.
Before credits & paid funds$85,352The complete starting cash picture.
Estimated remaining funds due at closing
$85,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,704.71
Your down payment$60,704.71
Closing costs + prepaids$24,647.39
Total buyer cash needed$85,352.09
Remaining funds due$85,352.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,599.99
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)$2,650.00
Prepaid interest, first (24 days)$4,172.40
Fees + prepaids$24,647.39
Your down payment is the seller’s equity. You take over the $999,294 balance, so the rest of the $1,059,999 price is paid at closing. A second mortgage can cover part of it. $85,352.09 is due at closing. Uses and sources reconcile at $1,084,646.39 each. Not a Closing Disclosure.