Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$169,231Cash toward the purchase price.
Closing costs + prepaids$21,130Not just lender fees.
Before credits & paid funds$190,361The complete starting cash picture.
Estimated remaining funds due at closing
$190,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,230.90
Your down payment$169,230.90
Closing costs + prepaids$21,130.34
Total buyer cash needed$190,361.23
Remaining funds due$190,361.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,350.00
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)$2,087.50
Prepaid interest, first (28 days)$3,467.84
Fees + prepaids$21,130.34
Your down payment is the seller’s equity. You take over the $665,769 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $190,361.23 is due at closing. Uses and sources reconcile at $856,130.34 each. Not a Closing Disclosure.