Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$806,504Cash toward the purchase price.
Closing costs + prepaids$31,360Not just lender fees.
Before credits & paid funds$837,864The complete starting cash picture.
Estimated remaining funds due at closing
$837,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$806,503.64
Your down payment$806,503.64
Closing costs + prepaids$31,360.09
Total buyer cash needed$837,863.73
Remaining funds due$837,863.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$17,950.00
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)$2,243.75
Initial HOA (3 months)$1,329.00
Prepaid interest, first (14 days)$2,612.34
Fees + prepaids$31,360.09
Your down payment is the seller’s equity. You take over the $988,496 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $837,863.73 is due at closing. Uses and sources reconcile at $1,826,360.09 each. Not a Closing Disclosure.