Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$848,899Cash toward the purchase price.
Closing costs + prepaids$18,652Not just lender fees.
Before credits & paid funds$867,550The complete starting cash picture.
Estimated remaining funds due at closing
$867,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$848,898.85
Your down payment$848,898.85
Closing costs + prepaids$18,651.57
Total buyer cash needed$867,550.42
Remaining funds due$867,550.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,950.00
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)$2,237.50
Prepaid interest, first (28 days)$239.07
Fees + prepaids$18,651.57
Your down payment is the seller’s equity. You take over the $46,101 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $867,550.42 is due at closing. Uses and sources reconcile at $913,651.57 each. Not a Closing Disclosure.