Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$869,661Cash toward the purchase price.
Closing costs + prepaids$26,709Not just lender fees.
Before credits & paid funds$896,370The complete starting cash picture.
Estimated remaining funds due at closing
$896,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$869,661.16
Your down payment$869,661.16
Closing costs + prepaids$26,708.61
Total buyer cash needed$896,369.78
Remaining funds due$896,369.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,990.00
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)$3,325.50
Prepaid interest, first (23 days)$2,168.11
Fees + prepaids$26,708.61
Your down payment is the seller’s equity. You take over the $529,339 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $896,369.78 is due at closing. Uses and sources reconcile at $1,425,708.61 each. Not a Closing Disclosure.