Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,835Cash toward the purchase price.
Closing costs + prepaids$21,022Not just lender fees.
Before credits & paid funds$201,857The complete starting cash picture.
Estimated remaining funds due at closing
$201,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,834.88
Your down payment$180,834.88
Closing costs + prepaids$21,021.70
Total buyer cash needed$201,856.57
Remaining funds due$201,856.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,149.00
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)$2,037.25
Initial HOA (3 months)$585.00
Prepaid interest, first (28 days)$3,025.45
Fees + prepaids$21,021.70
Your down payment is the seller’s equity. You take over the $634,065 balance, so the rest of the $814,900 price is paid at closing. A second mortgage can cover part of it. $201,856.57 is due at closing. Uses and sources reconcile at $835,921.70 each. Not a Closing Disclosure.