Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$862,622Cash toward the purchase price.
Closing costs + prepaids$18,184Not just lender fees.
Before credits & paid funds$880,806The complete starting cash picture.
Estimated remaining funds due at closing
$880,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$862,622.04
Your down payment$862,622.04
Closing costs + prepaids$18,183.70
Total buyer cash needed$880,805.73
Remaining funds due$880,805.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,750.00
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)$1,188.50
Prepaid interest, first (1 days)$20.20
Fees + prepaids$18,183.70
Your down payment is the seller’s equity. You take over the $112,378 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $880,805.73 is due at closing. Uses and sources reconcile at $993,183.70 each. Not a Closing Disclosure.