Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$170,911Cash toward the purchase price.
Closing costs + prepaids$27,015Not just lender fees.
Before credits & paid funds$197,925The complete starting cash picture.
Estimated remaining funds due at closing
$197,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,910.64
Your down payment$170,910.64
Closing costs + prepaids$27,014.52
Total buyer cash needed$197,925.16
Remaining funds due$197,925.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,900.00
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)$2,975.00
Prepaid interest, first (26 days)$4,914.52
Fees + prepaids$27,014.52
Your down payment is the seller’s equity. You take over the $1,019,089 balance, so the rest of the $1,190,000 price is paid at closing. A second mortgage can cover part of it. $197,925.16 is due at closing. Uses and sources reconcile at $1,217,014.52 each. Not a Closing Disclosure.