Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$174,777Cash toward the purchase price.
Closing costs + prepaids$20,071Not just lender fees.
Before credits & paid funds$194,848The complete starting cash picture.
Estimated remaining funds due at closing
$194,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,776.98
Your down payment$174,776.98
Closing costs + prepaids$20,070.77
Total buyer cash needed$194,847.76
Remaining funds due$194,847.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,895.00
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)$1,973.75
Initial HOA (3 months)$249.00
Prepaid interest, first (26 days)$2,728.02
Fees + prepaids$20,070.77
Your down payment is the seller’s equity. You take over the $614,723 balance, so the rest of the $789,500 price is paid at closing. A second mortgage can cover part of it. $194,847.76 is due at closing. Uses and sources reconcile at $809,570.77 each. Not a Closing Disclosure.