Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$864,091Cash toward the purchase price.
Closing costs + prepaids$20,857Not just lender fees.
Before credits & paid funds$884,948The complete starting cash picture.
Estimated remaining funds due at closing
$884,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$864,090.59
Your down payment$864,090.59
Closing costs + prepaids$20,857.05
Total buyer cash needed$884,947.64
Remaining funds due$884,947.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,950.00
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)$1,434.00
Prepaid interest, first (9 days)$248.05
Fees + prepaids$20,857.05
Your down payment is the seller’s equity. You take over the $330,909 balance, so the rest of the $1,195,000 price is paid at closing. A second mortgage can cover part of it. $884,947.64 is due at closing. Uses and sources reconcile at $1,215,857.05 each. Not a Closing Disclosure.