Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$166,872Cash toward the purchase price.
Closing costs + prepaids$19,207Not just lender fees.
Before credits & paid funds$186,079The complete starting cash picture.
Estimated remaining funds due at closing
$186,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,871.70
Your down payment$166,871.70
Closing costs + prepaids$19,206.90
Total buyer cash needed$186,078.60
Remaining funds due$186,078.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$2,125.00
Prepaid interest, first (25 days)$1,356.90
Fees + prepaids$19,206.90
Your down payment is the seller’s equity. You take over the $683,128 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $186,078.60 is due at closing. Uses and sources reconcile at $869,206.90 each. Not a Closing Disclosure.