Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,085,691Cash toward the purchase price.
Closing costs + prepaids$21,831Not just lender fees.
Before credits & paid funds$1,107,522The complete starting cash picture.
Estimated remaining funds due at closing
$1,107,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,085,691.28
Your down payment$1,085,691.28
Closing costs + prepaids$21,830.98
Total buyer cash needed$1,107,522.26
Remaining funds due$1,107,522.26
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 (23 days)$230.98
Fees + prepaids$21,830.98
Your down payment is the seller’s equity. You take over the $64,309 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $1,107,522.26 is due at closing. Uses and sources reconcile at $1,171,830.98 each. Not a Closing Disclosure.