Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$150,384Cash toward the purchase price.
Closing costs + prepaids$22,190Not just lender fees.
Before credits & paid funds$172,574The complete starting cash picture.
Estimated remaining funds due at closing
$172,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,384.11
Your down payment$150,384.11
Closing costs + prepaids$22,190.05
Total buyer cash needed$172,574.16
Remaining funds due$172,574.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,490.00
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)$2,122.50
Initial HOA (3 months)$585.00
Prepaid interest, first (28 days)$3,767.55
Fees + prepaids$22,190.05
Your down payment is the seller’s equity. You take over the $698,616 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $172,574.16 is due at closing. Uses and sources reconcile at $871,190.05 each. Not a Closing Disclosure.