Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$872,180Cash toward the purchase price.
Closing costs + prepaids$20,830Not just lender fees.
Before credits & paid funds$893,010The complete starting cash picture.
Estimated remaining funds due at closing
$893,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$872,179.58
Your down payment$872,179.58
Closing costs + prepaids$20,830.47
Total buyer cash needed$893,010.05
Remaining funds due$893,010.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
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)$1,365.25
Prepaid interest, first (25 days)$740.22
Fees + prepaids$20,830.47
Your down payment is the seller’s equity. You take over the $277,820 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $893,010.05 is due at closing. Uses and sources reconcile at $1,170,830.47 each. Not a Closing Disclosure.