Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$141,238Cash toward the purchase price.
Closing costs + prepaids$20,323Not just lender fees.
Before credits & paid funds$161,562The complete starting cash picture.
Estimated remaining funds due at closing
$161,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,238.25
Your down payment$141,238.25
Closing costs + prepaids$20,323.29
Total buyer cash needed$161,561.53
Remaining funds due$161,561.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$2,062.50
Initial HOA (3 months)$177.00
Prepaid interest, first (22 days)$2,608.79
Fees + prepaids$20,323.29
Your down payment is the seller’s equity. You take over the $683,762 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $161,561.53 is due at closing. Uses and sources reconcile at $845,323.29 each. Not a Closing Disclosure.