Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$767,035Cash toward the purchase price.
Closing costs + prepaids$19,604Not just lender fees.
Before credits & paid funds$786,638The complete starting cash picture.
Estimated remaining funds due at closing
$786,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$767,034.71
Your down payment$767,034.71
Closing costs + prepaids$19,603.74
Total buyer cash needed$786,638.45
Remaining funds due$786,638.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,600.00
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)$2,400.00
Prepaid interest, first (18 days)$378.74
Fees + prepaids$19,603.74
Your down payment is the seller’s equity. You take over the $192,965 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $786,638.45 is due at closing. Uses and sources reconcile at $979,603.74 each. Not a Closing Disclosure.