Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$932,529Cash toward the purchase price.
Closing costs + prepaids$25,662Not just lender fees.
Before credits & paid funds$958,190The complete starting cash picture.
Estimated remaining funds due at closing
$958,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$932,528.76
Your down payment$932,528.76
Closing costs + prepaids$25,661.71
Total buyer cash needed$958,190.47
Remaining funds due$958,190.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,950.00
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)$2,051.25
Prepaid interest, first (27 days)$1,435.46
Fees + prepaids$25,661.71
Your down payment is the seller’s equity. You take over the $562,471 balance, so the rest of the $1,495,000 price is paid at closing. A second mortgage can cover part of it. $958,190.47 is due at closing. Uses and sources reconcile at $1,520,661.71 each. Not a Closing Disclosure.