Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$179,231Cash toward the purchase price.
Closing costs + prepaids$21,131Not just lender fees.
Before credits & paid funds$200,362The complete starting cash picture.
Estimated remaining funds due at closing
$200,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,230.90
Your down payment$179,230.90
Closing costs + prepaids$21,131.48
Total buyer cash needed$200,362.38
Remaining funds due$200,362.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,450.00
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)$2,112.50
Prepaid interest, first (27 days)$3,343.98
Fees + prepaids$21,131.48
Your down payment is the seller’s equity. You take over the $665,769 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $200,362.38 is due at closing. Uses and sources reconcile at $866,131.48 each. Not a Closing Disclosure.