Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$829,049Cash toward the purchase price.
Closing costs + prepaids$20,184Not just lender fees.
Before credits & paid funds$849,233The complete starting cash picture.
Estimated remaining funds due at closing
$849,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$829,048.75
Your down payment$829,048.75
Closing costs + prepaids$20,184.32
Total buyer cash needed$849,233.07
Remaining funds due$849,233.07
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)$1,152.50
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$766.81
Fees + prepaids$20,184.32
Your down payment is the seller’s equity. You take over the $269,951 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $849,233.07 is due at closing. Uses and sources reconcile at $1,119,184.32 each. Not a Closing Disclosure.