Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$807,926Cash toward the purchase price.
Closing costs + prepaids$17,467Not just lender fees.
Before credits & paid funds$825,393The complete starting cash picture.
Estimated remaining funds due at closing
$825,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$807,926.19
Your down payment$807,926.19
Closing costs + prepaids$17,467.11
Total buyer cash needed$825,393.31
Remaining funds due$825,393.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,990.00
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)$1,078.75
Prepaid interest, first (12 days)$173.36
Fees + prepaids$17,467.11
Your down payment is the seller’s equity. You take over the $91,074 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $825,393.31 is due at closing. Uses and sources reconcile at $916,467.11 each. Not a Closing Disclosure.