Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,613Cash toward the purchase price.
Closing costs + prepaids$21,351Not just lender fees.
Before credits & paid funds$87,964The complete starting cash picture.
Estimated remaining funds due at closing
$87,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,613.20
Your down payment$66,613.20
Closing costs + prepaids$21,350.57
Total buyer cash needed$87,963.77
Remaining funds due$87,963.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,947.00
Initial HOA (3 months)$936.00
Prepaid interest, first (24 days)$1,742.57
Fees + prepaids$21,350.57
Your down payment is the seller’s equity. You take over the $883,387 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $87,963.77 is due at closing. Uses and sources reconcile at $971,350.57 each. Not a Closing Disclosure.