Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$212,826Cash toward the purchase price.
Closing costs + prepaids$23,222Not just lender fees.
Before credits & paid funds$236,048The complete starting cash picture.
Estimated remaining funds due at closing
$236,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,826.36
Your down payment$212,826.36
Closing costs + prepaids$23,221.84
Total buyer cash needed$236,048.20
Remaining funds due$236,048.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,900.00
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)$2,475.00
Prepaid interest, first (27 days)$3,621.84
Fees + prepaids$23,221.84
Your down payment is the seller’s equity. You take over the $777,174 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $236,048.20 is due at closing. Uses and sources reconcile at $1,013,221.84 each. Not a Closing Disclosure.