Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$165,669Cash toward the purchase price.
Closing costs + prepaids$23,346Not just lender fees.
Before credits & paid funds$189,015The complete starting cash picture.
Estimated remaining funds due at closing
$189,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,668.65
Your down payment$165,668.65
Closing costs + prepaids$23,346.35
Total buyer cash needed$189,015.01
Remaining funds due$189,015.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,980.00
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)$2,495.00
Initial HOA (3 months)$390.00
Prepaid interest, first (28 days)$3,256.35
Fees + prepaids$23,346.35
Your down payment is the seller’s equity. You take over the $832,331 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $189,015.01 is due at closing. Uses and sources reconcile at $1,021,346.35 each. Not a Closing Disclosure.