Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$194,497Cash toward the purchase price.
Closing costs + prepaids$18,471Not just lender fees.
Before credits & paid funds$212,968The complete starting cash picture.
Estimated remaining funds due at closing
$212,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,496.72
Your down payment$194,496.72
Closing costs + prepaids$18,471.47
Total buyer cash needed$212,968.19
Remaining funds due$212,968.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$1,972.50
Prepaid interest, first (29 days)$1,383.97
Fees + prepaids$18,471.47
Your down payment is the seller’s equity. You take over the $594,503 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $212,968.19 is due at closing. Uses and sources reconcile at $807,471.47 each. Not a Closing Disclosure.