Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$142,567Cash toward the purchase price.
Closing costs + prepaids$25,281Not just lender fees.
Before credits & paid funds$167,848The complete starting cash picture.
Estimated remaining funds due at closing
$167,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,567.33
Your down payment$142,567.33
Closing costs + prepaids$25,281.09
Total buyer cash needed$167,848.42
Remaining funds due$167,848.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,000.00
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)$2,750.00
Prepaid interest, first (27 days)$4,306.09
Fees + prepaids$25,281.09
Your down payment is the seller’s equity. You take over the $957,433 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $167,848.42 is due at closing. Uses and sources reconcile at $1,125,281.09 each. Not a Closing Disclosure.