Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$918,658Cash toward the purchase price.
Closing costs + prepaids$18,236Not just lender fees.
Before credits & paid funds$936,894The complete starting cash picture.
Estimated remaining funds due at closing
$936,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$918,657.85
Your down payment$918,657.85
Closing costs + prepaids$18,236.14
Total buyer cash needed$936,893.99
Remaining funds due$936,893.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,750.00
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)$1,170.00
Prepaid interest, first (9 days)$91.14
Fees + prepaids$18,236.14
Your down payment is the seller’s equity. You take over the $56,342 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $936,893.99 is due at closing. Uses and sources reconcile at $993,236.14 each. Not a Closing Disclosure.