Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$865,918Cash toward the purchase price.
Closing costs + prepaids$21,873Not just lender fees.
Before credits & paid funds$887,791The complete starting cash picture.
Estimated remaining funds due at closing
$887,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$865,918.30
Your down payment$865,918.30
Closing costs + prepaids$21,872.78
Total buyer cash needed$887,791.08
Remaining funds due$887,791.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,500.00
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)$1,562.50
Prepaid interest, first (18 days)$585.28
Fees + prepaids$21,872.78
Your down payment is the seller’s equity. You take over the $384,082 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $887,791.08 is due at closing. Uses and sources reconcile at $1,271,872.78 each. Not a Closing Disclosure.