Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$814,529Cash toward the purchase price.
Closing costs + prepaids$20,743Not just lender fees.
Before credits & paid funds$835,273The complete starting cash picture.
Estimated remaining funds due at closing
$835,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$814,529.40
Your down payment$814,529.40
Closing costs + prepaids$20,743.40
Total buyer cash needed$835,272.79
Remaining funds due$835,272.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,499.99
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)$2,375.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (23 days)$563.41
Fees + prepaids$20,743.40
Your down payment is the seller’s equity. You take over the $135,470 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $835,272.79 is due at closing. Uses and sources reconcile at $970,742.40 each. Not a Closing Disclosure.