Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$3,058Cash toward the purchase price.
Closing costs + prepaids$21,876Not just lender fees.
Before credits & paid funds$24,933The complete starting cash picture.
Estimated remaining funds due at closing
$24,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,057.53
Your down payment$3,057.53
Closing costs + prepaids$21,875.93
Total buyer cash needed$24,933.46
Remaining funds due$24,933.46
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)$2,500.00
Prepaid interest, first (18 days)$2,150.94
Fees + prepaids$21,875.93
Your down payment is the seller’s equity. You take over the $996,941 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $24,933.46 is due at closing. Uses and sources reconcile at $1,021,874.93 each. Not a Closing Disclosure.