Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$871,502Cash toward the purchase price.
Closing costs + prepaids$20,232Not just lender fees.
Before credits & paid funds$891,733The complete starting cash picture.
Estimated remaining funds due at closing
$891,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$871,501.64
Your down payment$871,501.64
Closing costs + prepaids$20,231.71
Total buyer cash needed$891,733.35
Remaining funds due$891,733.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,250.00
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)$1,350.00
Prepaid interest, first (12 days)$406.71
Fees + prepaids$20,231.71
Your down payment is the seller’s equity. You take over the $253,498 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $891,733.35 is due at closing. Uses and sources reconcile at $1,145,231.71 each. Not a Closing Disclosure.