Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$168,442Cash toward the purchase price.
Closing costs + prepaids$24,855Not just lender fees.
Before credits & paid funds$193,296The complete starting cash picture.
Estimated remaining funds due at closing
$193,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,441.66
Your down payment$168,441.66
Closing costs + prepaids$24,854.61
Total buyer cash needed$193,296.26
Remaining funds due$193,296.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,500.00
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)$2,625.00
Initial HOA (3 months)$120.00
Prepaid interest, first (29 days)$4,384.61
Fees + prepaids$24,854.61
Your down payment is the seller’s equity. You take over the $881,558 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $193,296.26 is due at closing. Uses and sources reconcile at $1,074,854.61 each. Not a Closing Disclosure.