Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$170,731Cash toward the purchase price.
Closing costs + prepaids$24,862Not just lender fees.
Before credits & paid funds$195,594The complete starting cash picture.
Estimated remaining funds due at closing
$195,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,731.39
Your down payment$170,731.39
Closing costs + prepaids$24,862.31
Total buyer cash needed$195,593.70
Remaining funds due$195,593.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,980.00
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)$2,745.00
Prepaid interest, first (25 days)$3,912.31
Fees + prepaids$24,862.31
Your down payment is the seller’s equity. You take over the $927,269 balance, so the rest of the $1,098,000 price is paid at closing. A second mortgage can cover part of it. $195,593.70 is due at closing. Uses and sources reconcile at $1,122,862.31 each. Not a Closing Disclosure.