Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$764,471Cash toward the purchase price.
Closing costs + prepaids$19,759Not just lender fees.
Before credits & paid funds$784,230The complete starting cash picture.
Estimated remaining funds due at closing
$784,230No 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$19,758.86
Total buyer cash needed$784,229.67
Remaining funds due$784,229.67
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 (10 days)$269.86
Fees + prepaids$19,758.86
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. $784,229.67 is due at closing. Uses and sources reconcile at $1,114,758.86 each. Not a Closing Disclosure.