Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,006,885Cash toward the purchase price.
Closing costs + prepaids$22,314Not just lender fees.
Before credits & paid funds$1,029,199The complete starting cash picture.
Estimated remaining funds due at closing
$1,029,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,006,885.06
Your down payment$1,006,885.06
Closing costs + prepaids$22,313.67
Total buyer cash needed$1,029,198.74
Remaining funds due$1,029,198.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,750.00
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)$2,937.50
Prepaid interest, first (26 days)$401.17
Fees + prepaids$22,313.67
Your down payment is the seller’s equity. You take over the $168,115 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $1,029,198.74 is due at closing. Uses and sources reconcile at $1,197,313.67 each. Not a Closing Disclosure.