Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$184,304Cash toward the purchase price.
Closing costs + prepaids$26,267Not just lender fees.
Before credits & paid funds$210,571The complete starting cash picture.
Estimated remaining funds due at closing
$210,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,303.65
Your down payment$184,303.65
Closing costs + prepaids$26,267.16
Total buyer cash needed$210,570.81
Remaining funds due$210,570.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,749.00
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)$2,937.25
Prepaid interest, first (25 days)$4,355.91
Fees + prepaids$26,267.16
Your down payment is the seller’s equity. You take over the $990,596 balance, so the rest of the $1,174,900 price is paid at closing. A second mortgage can cover part of it. $210,570.81 is due at closing. Uses and sources reconcile at $1,201,167.16 each. Not a Closing Disclosure.