Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,861Cash toward the purchase price.
Closing costs + prepaids$27,002Not just lender fees.
Before credits & paid funds$205,863The complete starting cash picture.
Estimated remaining funds due at closing
$205,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,860.83
Your down payment$178,860.83
Closing costs + prepaids$27,001.79
Total buyer cash needed$205,862.62
Remaining funds due$205,862.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,250.00
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)$3,062.50
Prepaid interest, first (24 days)$4,464.29
Fees + prepaids$27,001.79
Your down payment is the seller’s equity. You take over the $1,046,139 balance, so the rest of the $1,225,000 price is paid at closing. A second mortgage can cover part of it. $205,862.62 is due at closing. Uses and sources reconcile at $1,252,001.79 each. Not a Closing Disclosure.