Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$928,369Cash toward the purchase price.
Closing costs + prepaids$22,194Not just lender fees.
Before credits & paid funds$950,563The complete starting cash picture.
Estimated remaining funds due at closing
$950,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$928,369.19
Your down payment$928,369.19
Closing costs + prepaids$22,193.61
Total buyer cash needed$950,562.80
Remaining funds due$950,562.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
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)$2,875.00
Prepaid interest, first (26 days)$593.61
Fees + prepaids$22,193.61
Your down payment is the seller’s equity. You take over the $221,631 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $950,562.80 is due at closing. Uses and sources reconcile at $1,172,193.61 each. Not a Closing Disclosure.