Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$143,321Cash toward the purchase price.
Closing costs + prepaids$22,707Not just lender fees.
Before credits & paid funds$166,028The complete starting cash picture.
Estimated remaining funds due at closing
$166,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,320.71
Your down payment$143,320.71
Closing costs + prepaids$22,707.30
Total buyer cash needed$166,028.02
Remaining funds due$166,028.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,990.00
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)$1,976.75
Prepaid interest, first (23 days)$3,515.55
Fees + prepaids$22,707.30
Your down payment is the seller’s equity. You take over the $855,679 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $166,028.02 is due at closing. Uses and sources reconcile at $1,021,707.30 each. Not a Closing Disclosure.