Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$911,009Cash toward the purchase price.
Closing costs + prepaids$21,240Not just lender fees.
Before credits & paid funds$932,249The complete starting cash picture.
Estimated remaining funds due at closing
$932,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$911,009.24
Your down payment$911,009.24
Closing costs + prepaids$21,240.25
Total buyer cash needed$932,249.49
Remaining funds due$932,249.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,690.00
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)$1,421.00
Initial HOA (3 months)$360.00
Prepaid interest, first (22 days)$544.25
Fees + prepaids$21,240.25
Your down payment is the seller’s equity. You take over the $257,991 balance, so the rest of the $1,169,000 price is paid at closing. A second mortgage can cover part of it. $932,249.49 is due at closing. Uses and sources reconcile at $1,190,240.25 each. Not a Closing Disclosure.