Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$837,240Cash toward the purchase price.
Closing costs + prepaids$17,892Not just lender fees.
Before credits & paid funds$855,132The complete starting cash picture.
Estimated remaining funds due at closing
$855,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$837,239.84
Your down payment$837,239.84
Closing costs + prepaids$17,891.78
Total buyer cash needed$855,131.63
Remaining funds due$855,131.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$2,125.00
Prepaid interest, first (18 days)$41.78
Fees + prepaids$17,891.78
Your down payment is the seller’s equity. You take over the $12,760 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $855,131.63 is due at closing. Uses and sources reconcile at $867,891.78 each. Not a Closing Disclosure.