Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$918,658Cash toward the purchase price.
Closing costs + prepaids$18,346Not just lender fees.
Before credits & paid funds$937,004The complete starting cash picture.
Estimated remaining funds due at closing
$937,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$918,657.85
Your down payment$918,657.85
Closing costs + prepaids$18,345.77
Total buyer cash needed$937,003.62
Remaining funds due$937,003.62
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 (18 days)$182.27
Fees + prepaids$18,345.77
Your down payment is the seller’s equity. You take over the $56,342 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $937,003.62 is due at closing. Uses and sources reconcile at $993,345.77 each. Not a Closing Disclosure.