Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$801,564Cash toward the purchase price.
Closing costs + prepaids$20,449Not just lender fees.
Before credits & paid funds$822,012The complete starting cash picture.
Estimated remaining funds due at closing
$822,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$801,563.68
Your down payment$801,563.68
Closing costs + prepaids$20,448.66
Total buyer cash needed$822,012.34
Remaining funds due$822,012.34
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)$1,380.00
Prepaid interest, first (9 days)$343.66
Fees + prepaids$20,448.66
Your down payment is the seller’s equity. You take over the $348,436 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $822,012.34 is due at closing. Uses and sources reconcile at $1,170,448.66 each. Not a Closing Disclosure.