Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$850,000Cash toward the purchase price.
Closing costs + prepaids$16,843Not just lender fees.
Before credits & paid funds$866,843The complete starting cash picture.
Estimated remaining funds due at closing
$866,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$850,000.00
Your down payment$850,000.00
Closing costs + prepaids$16,843.00
Total buyer cash needed$866,843.00
Remaining funds due$866,843.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$8,500.00
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)$2,125.00
Fees + prepaids$16,843.00
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $866,843.00 is due at closing. Uses and sources reconcile at $866,843.00 each. Not a Closing Disclosure.