Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$755,433Cash toward the purchase price.
Closing costs + prepaids$21,877Not just lender fees.
Before credits & paid funds$777,309The complete starting cash picture.
Estimated remaining funds due at closing
$777,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$755,432.80
Your down payment$755,432.80
Closing costs + prepaids$21,876.65
Total buyer cash needed$777,309.45
Remaining funds due$777,309.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,490.00
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)$2,622.50
Initial HOA (3 months)$537.00
Prepaid interest, first (28 days)$1,002.15
Fees + prepaids$21,876.65
Your down payment is the seller’s equity. You take over the $293,567 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $777,309.45 is due at closing. Uses and sources reconcile at $1,070,876.65 each. Not a Closing Disclosure.