Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,194Cash toward the purchase price.
Closing costs + prepaids$21,530Not just lender fees.
Before credits & paid funds$132,724The complete starting cash picture.
Estimated remaining funds due at closing
$132,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,194.07
Your down payment$111,194.07
Closing costs + prepaids$21,529.93
Total buyer cash needed$132,724.01
Remaining funds due$132,724.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.99
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)$2,250.00
Prepaid interest, first (24 days)$3,054.94
Fees + prepaids$21,529.93
Your down payment is the seller’s equity. You take over the $788,805 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $132,724.01 is due at closing. Uses and sources reconcile at $921,528.93 each. Not a Closing Disclosure.