Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$151,054Cash toward the purchase price.
Closing costs + prepaids$21,120Not just lender fees.
Before credits & paid funds$172,173The complete starting cash picture.
Estimated remaining funds due at closing
$172,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,053.65
Your down payment$151,053.65
Closing costs + prepaids$21,119.76
Total buyer cash needed$172,173.40
Remaining funds due$172,173.40
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
Prepaid interest, first (29 days)$3,582.26
Fees + prepaids$21,119.76
Your down payment is the seller’s equity. You take over the $673,946 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $172,173.40 is due at closing. Uses and sources reconcile at $846,119.76 each. Not a Closing Disclosure.