Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$93,061Cash toward the purchase price.
Closing costs + prepaids$22,176Not just lender fees.
Before credits & paid funds$115,237The complete starting cash picture.
Estimated remaining funds due at closing
$115,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,061.33
Your down payment$93,061.33
Closing costs + prepaids$22,175.96
Total buyer cash needed$115,237.29
Remaining funds due$115,237.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,900.00
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)$2,225.00
Prepaid interest, first (27 days)$3,825.96
Fees + prepaids$22,175.96
Your down payment is the seller’s equity. You take over the $796,939 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $115,237.29 is due at closing. Uses and sources reconcile at $912,175.96 each. Not a Closing Disclosure.