Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$944,030Cash toward the purchase price.
Closing costs + prepaids$21,170Not just lender fees.
Before credits & paid funds$965,200The complete starting cash picture.
Estimated remaining funds due at closing
$965,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$944,029.56
Your down payment$944,029.56
Closing costs + prepaids$21,170.45
Total buyer cash needed$965,200.01
Remaining funds due$965,200.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,399.99
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)$780.25
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$615.21
Fees + prepaids$21,170.45
Your down payment is the seller’s equity. You take over the $295,969 balance, so the rest of the $1,239,999 price is paid at closing. A second mortgage can cover part of it. $965,200.01 is due at closing. Uses and sources reconcile at $1,261,169.45 each. Not a Closing Disclosure.