Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$889,432Cash toward the purchase price.
Closing costs + prepaids$16,857Not just lender fees.
Before credits & paid funds$906,289The complete starting cash picture.
Estimated remaining funds due at closing
$906,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$889,431.91
Your down payment$889,431.91
Closing costs + prepaids$16,857.08
Total buyer cash needed$906,288.99
Remaining funds due$906,288.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,272.20
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)$194.75
Prepaid interest, first (25 days)$165.13
Fees + prepaids$16,857.08
Your down payment is the seller’s equity. You take over the $37,788 balance, so the rest of the $927,220 price is paid at closing. A second mortgage can cover part of it. $906,288.99 is due at closing. Uses and sources reconcile at $944,077.08 each. Not a Closing Disclosure.