Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$150,351Cash toward the purchase price.
Closing costs + prepaids$19,409Not just lender fees.
Before credits & paid funds$169,761The complete starting cash picture.
Estimated remaining funds due at closing
$169,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,351.43
Your down payment$150,351.43
Closing costs + prepaids$19,409.22
Total buyer cash needed$169,760.66
Remaining funds due$169,760.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,735.00
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)$1,338.50
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$2,960.72
Fees + prepaids$19,409.22
Your down payment is the seller’s equity. You take over the $623,149 balance, so the rest of the $773,500 price is paid at closing. A second mortgage can cover part of it. $169,760.66 is due at closing. Uses and sources reconcile at $792,909.22 each. Not a Closing Disclosure.