Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$856,804Cash toward the purchase price.
Closing costs + prepaids$25,820Not just lender fees.
Before credits & paid funds$882,624The complete starting cash picture.
Estimated remaining funds due at closing
$882,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$856,804.08
Your down payment$856,804.08
Closing costs + prepaids$25,820.18
Total buyer cash needed$882,624.27
Remaining funds due$882,624.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,380.00
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)$3,345.00
Initial HOA (3 months)$690.00
Prepaid interest, first (24 days)$1,180.18
Fees + prepaids$25,820.18
Your down payment is the seller’s equity. You take over the $481,196 balance, so the rest of the $1,338,000 price is paid at closing. A second mortgage can cover part of it. $882,624.27 is due at closing. Uses and sources reconcile at $1,363,820.18 each. Not a Closing Disclosure.