Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$170,739Cash toward the purchase price.
Closing costs + prepaids$20,173Not just lender fees.
Before credits & paid funds$190,912The complete starting cash picture.
Estimated remaining funds due at closing
$190,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,738.78
Your down payment$170,738.78
Closing costs + prepaids$20,173.17
Total buyer cash needed$190,911.95
Remaining funds due$190,911.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,074.44
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)$2,018.50
Prepaid interest, first (22 days)$2,855.23
Fees + prepaids$20,173.17
Your down payment is the seller’s equity. You take over the $636,705 balance, so the rest of the $807,444 price is paid at closing. A second mortgage can cover part of it. $190,911.95 is due at closing. Uses and sources reconcile at $827,617.17 each. Not a Closing Disclosure.