Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,383Cash toward the purchase price.
Closing costs + prepaids$27,184Not just lender fees.
Before credits & paid funds$151,567The complete starting cash picture.
Estimated remaining funds due at closing
$151,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,382.97
Your down payment$124,382.97
Closing costs + prepaids$27,183.90
Total buyer cash needed$151,566.86
Remaining funds due$151,566.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,782.50
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)$2,945.75
Prepaid interest, first (28 days)$5,230.65
Fees + prepaids$27,183.90
Your down payment is the seller’s equity. You take over the $1,053,867 balance, so the rest of the $1,178,250 price is paid at closing. A second mortgage can cover part of it. $151,566.86 is due at closing. Uses and sources reconcile at $1,205,433.90 each. Not a Closing Disclosure.