Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$783,884Cash toward the purchase price.
Closing costs + prepaids$19,657Not just lender fees.
Before credits & paid funds$803,541The complete starting cash picture.
Estimated remaining funds due at closing
$803,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$783,884.13
Your down payment$783,884.13
Closing costs + prepaids$19,656.59
Total buyer cash needed$803,540.72
Remaining funds due$803,540.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,658.50
Initial HOA (3 months)$510.00
Prepaid interest, first (23 days)$763.09
Fees + prepaids$19,656.59
Your down payment is the seller’s equity. You take over the $166,116 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $803,540.72 is due at closing. Uses and sources reconcile at $969,656.59 each. Not a Closing Disclosure.