Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$869,091Cash toward the purchase price.
Closing costs + prepaids$20,941Not just lender fees.
Before credits & paid funds$890,031The complete starting cash picture.
Estimated remaining funds due at closing
$890,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$869,090.59
Your down payment$869,090.59
Closing costs + prepaids$20,940.61
Total buyer cash needed$890,031.20
Remaining funds due$890,031.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,000.00
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)$1,440.00
Prepaid interest, first (10 days)$275.61
Fees + prepaids$20,940.61
Your down payment is the seller’s equity. You take over the $330,909 balance, so the rest of the $1,200,000 price is paid at closing. A second mortgage can cover part of it. $890,031.20 is due at closing. Uses and sources reconcile at $1,220,940.61 each. Not a Closing Disclosure.