Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$837,396Cash toward the purchase price.
Closing costs + prepaids$21,293Not just lender fees.
Before credits & paid funds$858,689The complete starting cash picture.
Estimated remaining funds due at closing
$858,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$837,396.30
Your down payment$837,396.30
Closing costs + prepaids$21,293.12
Total buyer cash needed$858,689.42
Remaining funds due$858,689.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
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)$1,465.75
Initial HOA (3 months)$360.00
Prepaid interest, first (22 days)$742.37
Fees + prepaids$21,293.12
Your down payment is the seller’s equity. You take over the $312,604 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $858,689.42 is due at closing. Uses and sources reconcile at $1,171,293.12 each. Not a Closing Disclosure.