Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,689Cash toward the purchase price.
Closing costs + prepaids$20,914Not just lender fees.
Before credits & paid funds$148,603The complete starting cash picture.
Estimated remaining funds due at closing
$148,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,689.06
Your down payment$127,689.06
Closing costs + prepaids$20,913.89
Total buyer cash needed$148,602.95
Remaining funds due$148,602.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,350.00
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)$1,613.50
Initial HOA (3 months)$246.00
Prepaid interest, first (27 days)$3,479.39
Fees + prepaids$20,913.89
Your down payment is the seller’s equity. You take over the $707,311 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $148,602.95 is due at closing. Uses and sources reconcile at $855,913.89 each. Not a Closing Disclosure.