Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$764,471Cash toward the purchase price.
Closing costs + prepaids$19,732Not just lender fees.
Before credits & paid funds$784,203The complete starting cash picture.
Estimated remaining funds due at closing
$784,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$764,470.81
Your down payment$764,470.81
Closing costs + prepaids$19,731.87
Total buyer cash needed$784,202.68
Remaining funds due$784,202.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,950.00
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)$1,314.00
Prepaid interest, first (9 days)$242.87
Fees + prepaids$19,731.87
Your down payment is the seller’s equity. You take over the $330,529 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $784,202.68 is due at closing. Uses and sources reconcile at $1,114,731.87 each. Not a Closing Disclosure.