Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$801,097Cash toward the purchase price.
Closing costs + prepaids$22,146Not just lender fees.
Before credits & paid funds$823,243The complete starting cash picture.
Estimated remaining funds due at closing
$823,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$801,096.94
Your down payment$801,096.94
Closing costs + prepaids$22,145.56
Total buyer cash needed$823,242.50
Remaining funds due$823,242.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,900.00
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)$1,548.00
Prepaid interest, first (12 days)$472.56
Fees + prepaids$22,145.56
Your down payment is the seller’s equity. You take over the $488,903 balance, so the rest of the $1,290,000 price is paid at closing. A second mortgage can cover part of it. $823,242.50 is due at closing. Uses and sources reconcile at $1,312,145.56 each. Not a Closing Disclosure.