Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,657Cash toward the purchase price.
Closing costs + prepaids$23,772Not just lender fees.
Before credits & paid funds$75,430The complete starting cash picture.
Estimated remaining funds due at closing
$75,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,657.24
Your down payment$51,657.24
Closing costs + prepaids$23,772.33
Total buyer cash needed$75,429.56
Remaining funds due$75,429.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,890.00
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)$2,222.50
Initial HOA (3 months)$1,695.00
Prepaid interest, first (26 days)$3,739.83
Fees + prepaids$23,772.33
Your down payment is the seller’s equity. You take over the $837,343 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $75,429.56 is due at closing. Uses and sources reconcile at $912,772.33 each. Not a Closing Disclosure.