Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$718,061Cash toward the purchase price.
Closing costs + prepaids$19,187Not just lender fees.
Before credits & paid funds$737,247The complete starting cash picture.
Estimated remaining funds due at closing
$737,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$718,060.54
Your down payment$718,060.54
Closing costs + prepaids$19,186.94
Total buyer cash needed$737,247.48
Remaining funds due$737,247.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,844.25
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$452.69
Fees + prepaids$19,186.94
Your down payment is the seller’s equity. You take over the $231,939 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $737,247.48 is due at closing. Uses and sources reconcile at $969,186.94 each. Not a Closing Disclosure.