Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$821,884Cash toward the purchase price.
Closing costs + prepaids$23,284Not just lender fees.
Before credits & paid funds$845,168The complete starting cash picture.
Estimated remaining funds due at closing
$845,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$821,883.77
Your down payment$821,883.77
Closing costs + prepaids$23,284.37
Total buyer cash needed$845,168.14
Remaining funds due$845,168.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,990.00
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)$2,997.50
Initial HOA (3 months)$360.00
Prepaid interest, first (26 days)$711.87
Fees + prepaids$23,284.37
Your down payment is the seller’s equity. You take over the $377,116 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $845,168.14 is due at closing. Uses and sources reconcile at $1,222,284.37 each. Not a Closing Disclosure.