Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$763,533Cash toward the purchase price.
Closing costs + prepaids$18,069Not just lender fees.
Before credits & paid funds$781,602The complete starting cash picture.
Estimated remaining funds due at closing
$781,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$763,533.11
Your down payment$763,533.11
Closing costs + prepaids$18,069.04
Total buyer cash needed$781,602.16
Remaining funds due$781,602.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,997.00
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)$1,099.00
Initial HOA (3 months)$393.00
Prepaid interest, first (31 days)$355.04
Fees + prepaids$18,069.04
Your down payment is the seller’s equity. You take over the $136,167 balance, so the rest of the $899,700 price is paid at closing. A second mortgage can cover part of it. $781,602.16 is due at closing. Uses and sources reconcile at $917,769.04 each. Not a Closing Disclosure.