Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$168,132Cash toward the purchase price.
Closing costs + prepaids$19,475Not just lender fees.
Before credits & paid funds$187,607The complete starting cash picture.
Estimated remaining funds due at closing
$187,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,131.74
Your down payment$168,131.74
Closing costs + prepaids$19,475.34
Total buyer cash needed$187,607.09
Remaining funds due$187,607.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,850.00
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)$2,212.50
Prepaid interest, first (27 days)$1,187.84
Fees + prepaids$19,475.34
Your down payment is the seller’s equity. You take over the $716,868 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $187,607.09 is due at closing. Uses and sources reconcile at $904,475.34 each. Not a Closing Disclosure.