Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,723Cash toward the purchase price.
Closing costs + prepaids$21,381Not just lender fees.
Before credits & paid funds$147,104The complete starting cash picture.
Estimated remaining funds due at closing
$147,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,723.02
Your down payment$125,723.02
Closing costs + prepaids$21,380.73
Total buyer cash needed$147,103.75
Remaining funds due$147,103.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$1,341.75
Initial HOA (3 months)$240.00
Prepaid interest, first (27 days)$3,573.98
Fees + prepaids$21,380.73
Your down payment is the seller’s equity. You take over the $774,277 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $147,103.75 is due at closing. Uses and sources reconcile at $921,380.73 each. Not a Closing Disclosure.