Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$187,532Cash toward the purchase price.
Closing costs + prepaids$23,378Not just lender fees.
Before credits & paid funds$210,910The complete starting cash picture.
Estimated remaining funds due at closing
$210,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,531.92
Your down payment$187,531.92
Closing costs + prepaids$23,378.14
Total buyer cash needed$210,910.06
Remaining funds due$210,910.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,200.00
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)$2,300.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (27 days)$3,603.14
Fees + prepaids$23,378.14
Your down payment is the seller’s equity. You take over the $732,468 balance, so the rest of the $920,000 price is paid at closing. A second mortgage can cover part of it. $210,910.06 is due at closing. Uses and sources reconcile at $943,378.14 each. Not a Closing Disclosure.