Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$843,907Cash toward the purchase price.
Closing costs + prepaids$18,812Not just lender fees.
Before credits & paid funds$862,718The complete starting cash picture.
Estimated remaining funds due at closing
$862,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$843,906.59
Your down payment$843,906.59
Closing costs + prepaids$18,811.59
Total buyer cash needed$862,718.18
Remaining funds due$862,718.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.99
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)$1,250.00
Prepaid interest, first (17 days)$336.60
Fees + prepaids$18,811.59
Your down payment is the seller’s equity. You take over the $156,092 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $862,718.18 is due at closing. Uses and sources reconcile at $1,018,810.59 each. Not a Closing Disclosure.