Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,166,641Cash toward the purchase price.
Closing costs + prepaids$22,574Not just lender fees.
Before credits & paid funds$1,189,215The complete starting cash picture.
Estimated remaining funds due at closing
$1,189,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,166,640.82
Your down payment$1,166,640.82
Closing costs + prepaids$22,573.90
Total buyer cash needed$1,189,214.71
Remaining funds due$1,189,214.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,000.00
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)$3,000.00
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$168.90
Fees + prepaids$22,573.90
Your down payment is the seller’s equity. You take over the $33,359 balance, so the rest of the $1,200,000 price is paid at closing. A second mortgage can cover part of it. $1,189,214.71 is due at closing. Uses and sources reconcile at $1,222,573.90 each. Not a Closing Disclosure.