Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$831,885Cash toward the purchase price.
Closing costs + prepaids$20,126Not just lender fees.
Before credits & paid funds$852,011The complete starting cash picture.
Estimated remaining funds due at closing
$852,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$831,885.06
Your down payment$831,885.06
Closing costs + prepaids$20,126.17
Total buyer cash needed$852,011.24
Remaining funds due$852,011.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,000.00
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)$2,500.00
Prepaid interest, first (26 days)$401.17
Fees + prepaids$20,126.17
Your down payment is the seller’s equity. You take over the $168,115 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $852,011.24 is due at closing. Uses and sources reconcile at $1,020,126.17 each. Not a Closing Disclosure.