Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$142,962Cash toward the purchase price.
Closing costs + prepaids$21,828Not just lender fees.
Before credits & paid funds$164,790The complete starting cash picture.
Estimated remaining funds due at closing
$164,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,962.21
Your down payment$142,962.21
Closing costs + prepaids$21,827.83
Total buyer cash needed$164,790.03
Remaining funds due$164,790.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,900.00
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)$2,475.00
Prepaid interest, first (24 days)$2,227.83
Fees + prepaids$21,827.83
Your down payment is the seller’s equity. You take over the $847,038 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $164,790.03 is due at closing. Uses and sources reconcile at $1,011,827.83 each. Not a Closing Disclosure.