Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$760,244Cash toward the purchase price.
Closing costs + prepaids$19,273Not just lender fees.
Before credits & paid funds$779,518The complete starting cash picture.
Estimated remaining funds due at closing
$779,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$760,244.30
Your down payment$760,244.30
Closing costs + prepaids$19,273.43
Total buyer cash needed$779,517.73
Remaining funds due$779,517.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,350.00
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)$1,712.50
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$760.93
Fees + prepaids$19,273.43
Your down payment is the seller’s equity. You take over the $174,756 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $779,517.73 is due at closing. Uses and sources reconcile at $954,273.43 each. Not a Closing Disclosure.