Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,337Cash toward the purchase price.
Closing costs + prepaids$22,593Not just lender fees.
Before credits & paid funds$166,929The complete starting cash picture.
Estimated remaining funds due at closing
$166,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,336.71
Your down payment$144,336.71
Closing costs + prepaids$22,592.69
Total buyer cash needed$166,929.41
Remaining funds due$166,929.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,200.00
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)$2,300.00
Prepaid interest, first (28 days)$3,867.69
Fees + prepaids$22,592.69
Your down payment is the seller’s equity. You take over the $775,663 balance, so the rest of the $920,000 price is paid at closing. A second mortgage can cover part of it. $166,929.41 is due at closing. Uses and sources reconcile at $942,592.69 each. Not a Closing Disclosure.