Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$752,774Cash toward the purchase price.
Closing costs + prepaids$20,069Not just lender fees.
Before credits & paid funds$772,842The complete starting cash picture.
Estimated remaining funds due at closing
$772,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$752,773.59
Your down payment$752,773.59
Closing costs + prepaids$20,068.82
Total buyer cash needed$772,842.41
Remaining funds due$772,842.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,000.00
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)$1,472.50
Initial HOA (3 months)$230.01
Prepaid interest, first (25 days)$1,141.31
Fees + prepaids$20,068.82
Your down payment is the seller’s equity. You take over the $247,226 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $772,842.41 is due at closing. Uses and sources reconcile at $1,020,068.82 each. Not a Closing Disclosure.