Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$763,719Cash toward the purchase price.
Closing costs + prepaids$19,202Not just lender fees.
Before credits & paid funds$782,920The complete starting cash picture.
Estimated remaining funds due at closing
$782,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$763,718.87
Your down payment$763,718.87
Closing costs + prepaids$19,201.59
Total buyer cash needed$782,920.47
Remaining funds due$782,920.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,950.00
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)$972.50
Prepaid interest, first (2 days)$54.09
Fees + prepaids$19,201.59
Your down payment is the seller’s equity. You take over the $331,281 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $782,920.47 is due at closing. Uses and sources reconcile at $1,114,201.59 each. Not a Closing Disclosure.