Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,063,826Cash toward the purchase price.
Closing costs + prepaids$21,945Not just lender fees.
Before credits & paid funds$1,085,771The complete starting cash picture.
Estimated remaining funds due at closing
$1,085,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,063,825.78
Your down payment$1,063,825.78
Closing costs + prepaids$21,944.94
Total buyer cash needed$1,085,770.72
Remaining funds due$1,085,770.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,499.50
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 (24 days)$345.44
Fees + prepaids$21,944.94
Your down payment is the seller’s equity. You take over the $86,124 balance, so the rest of the $1,149,950 price is paid at closing. A second mortgage can cover part of it. $1,085,770.72 is due at closing. Uses and sources reconcile at $1,171,894.94 each. Not a Closing Disclosure.