Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,843Cash toward the purchase price.
Closing costs + prepaids$20,497Not just lender fees.
Before credits & paid funds$194,340The complete starting cash picture.
Estimated remaining funds due at closing
$194,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,842.91
Your down payment$173,842.91
Closing costs + prepaids$20,496.64
Total buyer cash needed$194,339.55
Remaining funds due$194,339.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,590.00
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)$2,147.50
Prepaid interest, first (27 days)$2,534.14
Fees + prepaids$20,496.64
Your down payment is the seller’s equity. You take over the $685,157 balance, so the rest of the $859,000 price is paid at closing. A second mortgage can cover part of it. $194,339.55 is due at closing. Uses and sources reconcile at $879,496.64 each. Not a Closing Disclosure.