Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$264,442Cash toward the purchase price.
Closing costs + prepaids$21,634Not just lender fees.
Before credits & paid funds$286,075The complete starting cash picture.
Estimated remaining funds due at closing
$286,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,441.89
Your down payment$264,441.89
Closing costs + prepaids$21,633.58
Total buyer cash needed$286,075.47
Remaining funds due$286,075.47
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)$303.00
Prepaid interest, first (12 days)$1,785.58
Fees + prepaids$21,633.58
Your down payment is the seller’s equity. You take over the $835,558 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $286,075.47 is due at closing. Uses and sources reconcile at $1,121,633.58 each. Not a Closing Disclosure.