Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$667,063Cash toward the purchase price.
Closing costs + prepaids$18,875Not just lender fees.
Before credits & paid funds$685,938The complete starting cash picture.
Estimated remaining funds due at closing
$685,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$667,062.51
Your down payment$667,062.51
Closing costs + prepaids$18,875.15
Total buyer cash needed$685,937.66
Remaining funds due$685,937.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,000.00
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)$699.50
Prepaid interest, first (27 days)$950.65
Fees + prepaids$18,875.15
Your down payment is the seller’s equity. You take over the $332,937 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $685,937.66 is due at closing. Uses and sources reconcile at $1,018,875.15 each. Not a Closing Disclosure.