Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$914,284Cash toward the purchase price.
Closing costs + prepaids$23,795Not just lender fees.
Before credits & paid funds$938,079The complete starting cash picture.
Estimated remaining funds due at closing
$938,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$914,284.33
Your down payment$914,284.33
Closing costs + prepaids$23,795.15
Total buyer cash needed$938,079.48
Remaining funds due$938,079.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,500.00
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)$3,125.00
Prepaid interest, first (28 days)$945.15
Fees + prepaids$23,795.15
Your down payment is the seller’s equity. You take over the $335,716 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $938,079.48 is due at closing. Uses and sources reconcile at $1,273,795.15 each. Not a Closing Disclosure.