Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,094Cash toward the purchase price.
Closing costs + prepaids$23,433Not just lender fees.
Before credits & paid funds$155,527The complete starting cash picture.
Estimated remaining funds due at closing
$155,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,094.27
Your down payment$132,094.27
Closing costs + prepaids$23,432.68
Total buyer cash needed$155,526.96
Remaining funds due$155,526.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,650.00
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)$2,412.50
Initial HOA (3 months)$393.00
Prepaid interest, first (27 days)$3,752.18
Fees + prepaids$23,432.68
Your down payment is the seller’s equity. You take over the $832,906 balance, so the rest of the $965,000 price is paid at closing. A second mortgage can cover part of it. $155,526.96 is due at closing. Uses and sources reconcile at $988,432.68 each. Not a Closing Disclosure.