Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$1,060,759Cash toward the purchase price.
Closing costs + prepaids$19,649Not just lender fees.
Before credits & paid funds$1,080,407The complete starting cash picture.
Estimated remaining funds due at closing
$1,080,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,060,758.62
Your down payment$1,060,758.62
Closing costs + prepaids$19,648.63
Total buyer cash needed$1,080,407.24
Remaining funds due$1,080,407.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,999.99
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)$1,375.00
Prepaid interest, first (13 days)$48.64
Fees + prepaids$19,648.63
Your down payment is the seller’s equity. You take over the $39,240 balance, so the rest of the $1,099,999 price is paid at closing. A second mortgage can cover part of it. $1,080,407.24 is due at closing. Uses and sources reconcile at $1,119,647.63 each. Not a Closing Disclosure.