Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$201,248Cash toward the purchase price.
Closing costs + prepaids$21,137Not just lender fees.
Before credits & paid funds$222,385The complete starting cash picture.
Estimated remaining funds due at closing
$222,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,248.09
Your down payment$201,248.09
Closing costs + prepaids$21,136.85
Total buyer cash needed$222,384.93
Remaining funds due$222,384.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,680.00
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)$2,420.00
Prepaid interest, first (23 days)$1,811.85
Fees + prepaids$21,136.85
Your down payment is the seller’s equity. You take over the $766,752 balance, so the rest of the $968,000 price is paid at closing. A second mortgage can cover part of it. $222,384.93 is due at closing. Uses and sources reconcile at $989,136.85 each. Not a Closing Disclosure.