Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$580,942Cash toward the purchase price.
Closing costs + prepaids$19,374Not just lender fees.
Before credits & paid funds$600,316The complete starting cash picture.
Estimated remaining funds due at closing
$600,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$580,941.84
Your down payment$580,941.84
Closing costs + prepaids$19,374.27
Total buyer cash needed$600,316.11
Remaining funds due$600,316.11
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)$1,680.75
Initial HOA (3 months)$285.00
Prepaid interest, first (26 days)$683.52
Fees + prepaids$19,374.27
Your down payment is the seller’s equity. You take over the $369,058 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $600,316.11 is due at closing. Uses and sources reconcile at $969,374.27 each. Not a Closing Disclosure.