Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$210,126Cash toward the purchase price.
Closing costs + prepaids$24,281Not just lender fees.
Before credits & paid funds$234,407The complete starting cash picture.
Estimated remaining funds due at closing
$234,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,126.39
Your down payment$210,126.39
Closing costs + prepaids$24,280.90
Total buyer cash needed$234,407.29
Remaining funds due$234,407.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,490.00
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)$2,622.50
Prepaid interest, first (23 days)$3,943.40
Fees + prepaids$24,280.90
Your down payment is the seller’s equity. You take over the $838,874 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $234,407.29 is due at closing. Uses and sources reconcile at $1,073,280.90 each. Not a Closing Disclosure.