Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$145,308Cash toward the purchase price.
Closing costs + prepaids$20,862Not just lender fees.
Before credits & paid funds$166,170The complete starting cash picture.
Estimated remaining funds due at closing
$166,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,308.39
Your down payment$145,308.39
Closing costs + prepaids$20,861.94
Total buyer cash needed$166,170.33
Remaining funds due$166,170.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,100.00
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)$2,025.00
Prepaid interest, first (29 days)$3,511.94
Fees + prepaids$20,861.94
Your down payment is the seller’s equity. You take over the $664,692 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $166,170.33 is due at closing. Uses and sources reconcile at $830,861.94 each. Not a Closing Disclosure.