Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$122,287Cash toward the purchase price.
Closing costs + prepaids$24,003Not just lender fees.
Before credits & paid funds$146,290The complete starting cash picture.
Estimated remaining funds due at closing
$146,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,287.13
Your down payment$122,287.13
Closing costs + prepaids$24,002.61
Total buyer cash needed$146,289.73
Remaining funds due$146,289.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,790.00
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)$2,447.50
Prepaid interest, first (29 days)$4,540.11
Fees + prepaids$24,002.61
Your down payment is the seller’s equity. You take over the $856,713 balance, so the rest of the $979,000 price is paid at closing. A second mortgage can cover part of it. $146,289.73 is due at closing. Uses and sources reconcile at $1,003,002.61 each. Not a Closing Disclosure.