Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$924,395Cash toward the purchase price.
Closing costs + prepaids$18,001Not just lender fees.
Before credits & paid funds$942,396The complete starting cash picture.
Estimated remaining funds due at closing
$942,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$924,395.44
Your down payment$924,395.44
Closing costs + prepaids$18,000.89
Total buyer cash needed$942,396.33
Remaining funds due$942,396.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,221.00
Prepaid interest, first (25 days)$54.89
Fees + prepaids$18,000.89
Your down payment is the seller’s equity. You take over the $25,605 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $942,396.33 is due at closing. Uses and sources reconcile at $968,000.89 each. Not a Closing Disclosure.