Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,528Cash toward the purchase price.
Closing costs + prepaids$21,252Not just lender fees.
Before credits & paid funds$149,779The complete starting cash picture.
Estimated remaining funds due at closing
$149,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,527.51
Your down payment$128,527.51
Closing costs + prepaids$21,251.63
Total buyer cash needed$149,779.14
Remaining funds due$149,779.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,388.00
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)$2,097.00
Prepaid interest, first (28 days)$3,541.63
Fees + prepaids$21,251.63
Your down payment is the seller’s equity. You take over the $710,272 balance, so the rest of the $838,800 price is paid at closing. A second mortgage can cover part of it. $149,779.14 is due at closing. Uses and sources reconcile at $860,051.63 each. Not a Closing Disclosure.