Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$774,495Cash toward the purchase price.
Closing costs + prepaids$23,286Not just lender fees.
Before credits & paid funds$797,781The complete starting cash picture.
Estimated remaining funds due at closing
$797,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$774,495.10
Your down payment$774,495.10
Closing costs + prepaids$23,285.56
Total buyer cash needed$797,780.66
Remaining funds due$797,780.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,750.00
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)$2,293.00
Prepaid interest, first (27 days)$2,017.56
Fees + prepaids$23,285.56
Your down payment is the seller’s equity. You take over the $400,505 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $797,780.66 is due at closing. Uses and sources reconcile at $1,198,285.56 each. Not a Closing Disclosure.