Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$800,906Cash toward the purchase price.
Closing costs + prepaids$19,329Not just lender fees.
Before credits & paid funds$820,235The complete starting cash picture.
Estimated remaining funds due at closing
$820,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$800,905.69
Your down payment$800,905.69
Closing costs + prepaids$19,329.26
Total buyer cash needed$820,234.95
Remaining funds due$820,234.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
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)$566.00
Prepaid interest, first (1 days)$38.26
Fees + prepaids$19,329.26
Your down payment is the seller’s equity. You take over the $349,094 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $820,234.95 is due at closing. Uses and sources reconcile at $1,169,329.26 each. Not a Closing Disclosure.