Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$139,921Cash toward the purchase price.
Closing costs + prepaids$22,039Not just lender fees.
Before credits & paid funds$161,960The complete starting cash picture.
Estimated remaining funds due at closing
$161,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,920.70
Your down payment$139,920.70
Closing costs + prepaids$22,039.41
Total buyer cash needed$161,960.10
Remaining funds due$161,960.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,100.00
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)$2,275.00
Prepaid interest, first (26 days)$3,439.41
Fees + prepaids$22,039.41
Your down payment is the seller’s equity. You take over the $770,079 balance, so the rest of the $910,000 price is paid at closing. A second mortgage can cover part of it. $161,960.10 is due at closing. Uses and sources reconcile at $932,039.41 each. Not a Closing Disclosure.