Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,913Cash toward the purchase price.
Closing costs + prepaids$22,953Not just lender fees.
Before credits & paid funds$257,866The complete starting cash picture.
Estimated remaining funds due at closing
$257,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,912.95
Your down payment$234,912.95
Closing costs + prepaids$22,952.62
Total buyer cash needed$257,865.58
Remaining funds due$257,865.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,187.50
Initial HOA (3 months)$2,241.00
Prepaid interest, first (23 days)$2,549.12
Fees + prepaids$22,952.62
Your down payment is the seller’s equity. You take over the $640,087 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $257,865.58 is due at closing. Uses and sources reconcile at $897,952.62 each. Not a Closing Disclosure.