Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,321Cash toward the purchase price.
Closing costs + prepaids$23,446Not just lender fees.
Before credits & paid funds$149,767The complete starting cash picture.
Estimated remaining funds due at closing
$149,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,320.80
Your down payment$126,320.80
Closing costs + prepaids$23,446.07
Total buyer cash needed$149,766.87
Remaining funds due$149,766.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,980.00
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)$2,495.00
Prepaid interest, first (23 days)$3,746.07
Fees + prepaids$23,446.07
Your down payment is the seller’s equity. You take over the $871,679 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $149,766.87 is due at closing. Uses and sources reconcile at $1,021,446.07 each. Not a Closing Disclosure.