Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,241Cash toward the purchase price.
Closing costs + prepaids$21,127Not just lender fees.
Before credits & paid funds$161,367The complete starting cash picture.
Estimated remaining funds due at closing
$161,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,240.65
Your down payment$140,240.65
Closing costs + prepaids$21,126.73
Total buyer cash needed$161,367.38
Remaining funds due$161,367.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$1,488.00
Prepaid interest, first (28 days)$3,663.73
Fees + prepaids$21,126.73
Your down payment is the seller’s equity. You take over the $734,759 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $161,367.38 is due at closing. Uses and sources reconcile at $896,126.73 each. Not a Closing Disclosure.