Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$323,779Cash toward the purchase price.
Closing costs + prepaids$20,603Not just lender fees.
Before credits & paid funds$344,382The complete starting cash picture.
Estimated remaining funds due at closing
$344,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,779.01
Your down payment$323,779.01
Closing costs + prepaids$20,602.56
Total buyer cash needed$344,381.57
Remaining funds due$344,381.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,000.00
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)$1,320.00
Initial HOA (3 months)$195.00
Prepaid interest, first (12 days)$862.56
Fees + prepaids$20,602.56
Your down payment is the seller’s equity. You take over the $776,221 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $344,381.57 is due at closing. Uses and sources reconcile at $1,120,602.56 each. Not a Closing Disclosure.