Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$158,725Cash toward the purchase price.
Closing costs + prepaids$25,895Not just lender fees.
Before credits & paid funds$184,620The complete starting cash picture.
Estimated remaining funds due at closing
$184,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,725.09
Your down payment$158,725.09
Closing costs + prepaids$25,894.52
Total buyer cash needed$184,619.60
Remaining funds due$184,619.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,490.00
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)$2,872.50
Prepaid interest, first (25 days)$4,307.02
Fees + prepaids$25,894.52
Your down payment is the seller’s equity. You take over the $990,275 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $184,619.60 is due at closing. Uses and sources reconcile at $1,174,894.52 each. Not a Closing Disclosure.