Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$958,043Cash toward the purchase price.
Closing costs + prepaids$24,978Not just lender fees.
Before credits & paid funds$983,021The complete starting cash picture.
Estimated remaining funds due at closing
$983,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$958,042.92
Your down payment$958,042.92
Closing costs + prepaids$24,978.20
Total buyer cash needed$983,021.12
Remaining funds due$983,021.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,499.00
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)$3,124.75
Initial HOA (3 months)$765.00
Prepaid interest, first (27 days)$1,364.45
Fees + prepaids$24,978.20
Your down payment is the seller’s equity. You take over the $291,857 balance, so the rest of the $1,249,900 price is paid at closing. A second mortgage can cover part of it. $983,021.12 is due at closing. Uses and sources reconcile at $1,274,878.20 each. Not a Closing Disclosure.