Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$872,741Cash toward the purchase price.
Closing costs + prepaids$24,968Not just lender fees.
Before credits & paid funds$897,710The complete starting cash picture.
Estimated remaining funds due at closing
$897,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$872,741.47
Your down payment$872,741.47
Closing costs + prepaids$24,968.25
Total buyer cash needed$897,709.72
Remaining funds due$897,709.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,990.00
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)$1,313.00
Prepaid interest, first (25 days)$2,440.25
Fees + prepaids$24,968.25
Your down payment is the seller’s equity. You take over the $526,259 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $897,709.72 is due at closing. Uses and sources reconcile at $1,423,968.25 each. Not a Closing Disclosure.