Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$114,593Cash toward the purchase price.
Closing costs + prepaids$22,357Not just lender fees.
Before credits & paid funds$136,951The complete starting cash picture.
Estimated remaining funds due at closing
$136,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,593.49
Your down payment$114,593.49
Closing costs + prepaids$22,357.45
Total buyer cash needed$136,950.94
Remaining funds due$136,950.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,187.50
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$4,059.95
Fees + prepaids$22,357.45
Your down payment is the seller’s equity. You take over the $760,407 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $136,950.94 is due at closing. Uses and sources reconcile at $897,357.45 each. Not a Closing Disclosure.