Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$766,259Cash toward the purchase price.
Closing costs + prepaids$18,409Not just lender fees.
Before credits & paid funds$784,669The complete starting cash picture.
Estimated remaining funds due at closing
$784,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$766,259.35
Your down payment$766,259.35
Closing costs + prepaids$18,409.35
Total buyer cash needed$784,668.70
Remaining funds due$784,668.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,187.50
Initial HOA (3 months)$186.00
Prepaid interest, first (13 days)$310.85
Fees + prepaids$18,409.35
Your down payment is the seller’s equity. You take over the $183,741 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $784,668.70 is due at closing. Uses and sources reconcile at $968,409.35 each. Not a Closing Disclosure.