Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$854,691Cash toward the purchase price.
Closing costs + prepaids$20,575Not just lender fees.
Before credits & paid funds$875,266The complete starting cash picture.
Estimated remaining funds due at closing
$875,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$854,690.78
Your down payment$854,690.78
Closing costs + prepaids$20,575.33
Total buyer cash needed$875,266.12
Remaining funds due$875,266.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$1,283.75
Initial HOA (3 months)$330.00
Prepaid interest, first (22 days)$746.58
Fees + prepaids$20,575.33
Your down payment is the seller’s equity. You take over the $244,309 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $875,266.12 is due at closing. Uses and sources reconcile at $1,119,575.33 each. Not a Closing Disclosure.