Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$905,189Cash toward the purchase price.
Closing costs + prepaids$27,514Not just lender fees.
Before credits & paid funds$932,703The complete starting cash picture.
Estimated remaining funds due at closing
$932,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$905,188.53
Your down payment$905,188.53
Closing costs + prepaids$27,514.11
Total buyer cash needed$932,702.64
Remaining funds due$932,702.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,000.00
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)$3,500.00
Prepaid interest, first (27 days)$2,789.11
Fees + prepaids$27,514.11
Your down payment is the seller’s equity. You take over the $494,811 balance, so the rest of the $1,400,000 price is paid at closing. A second mortgage can cover part of it. $932,702.64 is due at closing. Uses and sources reconcile at $1,427,514.11 each. Not a Closing Disclosure.