Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$151,879Cash toward the purchase price.
Closing costs + prepaids$20,323Not just lender fees.
Before credits & paid funds$172,202The complete starting cash picture.
Estimated remaining funds due at closing
$172,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,878.97
Your down payment$151,878.97
Closing costs + prepaids$20,323.17
Total buyer cash needed$172,202.14
Remaining funds due$172,202.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,300.00
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)$2,075.00
Initial HOA (3 months)$1,332.00
Prepaid interest, first (26 days)$1,391.17
Fees + prepaids$20,323.17
Your down payment is the seller’s equity. You take over the $678,121 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $172,202.14 is due at closing. Uses and sources reconcile at $850,323.17 each. Not a Closing Disclosure.