Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$152,987Cash toward the purchase price.
Closing costs + prepaids$21,020Not just lender fees.
Before credits & paid funds$174,007The complete starting cash picture.
Estimated remaining funds due at closing
$174,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,987.00
Your down payment$152,987.00
Closing costs + prepaids$21,019.75
Total buyer cash needed$174,006.75
Remaining funds due$174,006.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,790.00
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)$1,508.75
Prepaid interest, first (26 days)$3,496.00
Fees + prepaids$21,019.75
Your down payment is the seller’s equity. You take over the $726,013 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $174,006.75 is due at closing. Uses and sources reconcile at $900,019.75 each. Not a Closing Disclosure.