Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$84,503Cash toward the purchase price.
Closing costs + prepaids$24,059Not just lender fees.
Before credits & paid funds$108,561The complete starting cash picture.
Estimated remaining funds due at closing
$108,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,502.83
Your down payment$84,502.83
Closing costs + prepaids$24,058.59
Total buyer cash needed$108,561.42
Remaining funds due$108,561.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,650.00
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)$2,412.50
Prepaid interest, first (29 days)$4,771.09
Fees + prepaids$24,058.59
Your down payment is the seller’s equity. You take over the $880,497 balance, so the rest of the $965,000 price is paid at closing. A second mortgage can cover part of it. $108,561.42 is due at closing. Uses and sources reconcile at $989,058.59 each. Not a Closing Disclosure.