Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,003,672Cash toward the purchase price.
Closing costs + prepaids$23,171Not just lender fees.
Before credits & paid funds$1,026,843The complete starting cash picture.
Estimated remaining funds due at closing
$1,026,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,003,671.68
Your down payment$1,003,671.68
Closing costs + prepaids$23,171.47
Total buyer cash needed$1,026,843.15
Remaining funds due$1,026,843.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,500.00
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)$1,605.50
Initial HOA (3 months)$783.00
Prepaid interest, first (1 days)$57.97
Fees + prepaids$23,171.47
Your down payment is the seller’s equity. You take over the $346,328 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $1,026,843.15 is due at closing. Uses and sources reconcile at $1,373,171.47 each. Not a Closing Disclosure.