Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,003,850Cash toward the purchase price.
Closing costs + prepaids$29,922Not just lender fees.
Before credits & paid funds$1,033,771The complete starting cash picture.
Estimated remaining funds due at closing
$1,033,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,003,849.78
Your down payment$1,003,849.78
Closing costs + prepaids$29,921.66
Total buyer cash needed$1,033,771.45
Remaining funds due$1,033,771.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,990.00
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)$4,247.50
Initial HOA (3 months)$189.99
Prepaid interest, first (28 days)$1,269.17
Fees + prepaids$29,921.66
Your down payment is the seller’s equity. You take over the $695,150 balance, so the rest of the $1,699,000 price is paid at closing. A second mortgage can cover part of it. $1,033,771.45 is due at closing. Uses and sources reconcile at $1,728,921.66 each. Not a Closing Disclosure.