Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,461Cash toward the purchase price.
Closing costs + prepaids$18,711Not just lender fees.
Before credits & paid funds$159,172The complete starting cash picture.
Estimated remaining funds due at closing
$159,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,460.94
Your down payment$140,460.94
Closing costs + prepaids$18,711.25
Total buyer cash needed$159,172.20
Remaining funds due$159,172.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.00
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)$447.75
Initial HOA (3 months)$350.01
Prepaid interest, first (28 days)$1,689.49
Fees + prepaids$18,711.25
Your down payment is the seller’s equity. You take over the $759,439 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $159,172.20 is due at closing. Uses and sources reconcile at $918,611.25 each. Not a Closing Disclosure.