Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$174,034Cash toward the purchase price.
Closing costs + prepaids$22,466Not just lender fees.
Before credits & paid funds$196,500The complete starting cash picture.
Estimated remaining funds due at closing
$196,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,033.80
Your down payment$174,033.80
Closing costs + prepaids$22,465.91
Total buyer cash needed$196,499.72
Remaining funds due$196,499.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,489.99
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)$2,372.50
Prepaid interest, first (24 days)$3,378.42
Fees + prepaids$22,465.91
Your down payment is the seller’s equity. You take over the $774,965 balance, so the rest of the $948,999 price is paid at closing. A second mortgage can cover part of it. $196,499.72 is due at closing. Uses and sources reconcile at $971,464.91 each. Not a Closing Disclosure.