Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$765,702Cash toward the purchase price.
Closing costs + prepaids$37,306Not just lender fees.
Before credits & paid funds$803,009The complete starting cash picture.
Estimated remaining funds due at closing
$803,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$765,702.39
Your down payment$765,702.39
Closing costs + prepaids$37,306.28
Total buyer cash needed$803,008.66
Remaining funds due$803,008.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$21,500.00
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)$1,678.75
Prepaid interest, first (28 days)$6,902.53
Fees + prepaids$37,306.28
Your down payment is the seller’s equity. You take over the $1,384,298 balance, so the rest of the $2,150,000 price is paid at closing. A second mortgage can cover part of it. $803,008.66 is due at closing. Uses and sources reconcile at $2,187,306.28 each. Not a Closing Disclosure.