Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$794,080Cash toward the purchase price.
Closing costs + prepaids$18,343Not just lender fees.
Before credits & paid funds$812,424The complete starting cash picture.
Estimated remaining funds due at closing
$812,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$794,080.45
Your down payment$794,080.45
Closing costs + prepaids$18,343.23
Total buyer cash needed$812,423.67
Remaining funds due$812,423.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.99
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)$547.25
Prepaid interest, first (29 days)$570.99
Fees + prepaids$18,343.23
Your down payment is the seller’s equity. You take over the $205,919 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $812,423.67 is due at closing. Uses and sources reconcile at $1,018,342.23 each. Not a Closing Disclosure.