Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$907,957Cash toward the purchase price.
Closing costs + prepaids$20,113Not just lender fees.
Before credits & paid funds$928,070The complete starting cash picture.
Estimated remaining funds due at closing
$928,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$907,956.58
Your down payment$907,956.58
Closing costs + prepaids$20,112.95
Total buyer cash needed$928,069.54
Remaining funds due$928,069.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.90
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)$2,500.00
Prepaid interest, first (27 days)$388.05
Fees + prepaids$20,112.95
Your down payment is the seller’s equity. You take over the $92,033 balance, so the rest of the $999,990 price is paid at closing. A second mortgage can cover part of it. $928,069.54 is due at closing. Uses and sources reconcile at $1,020,102.95 each. Not a Closing Disclosure.