Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,443Cash toward the purchase price.
Closing costs + prepaids$23,280Not just lender fees.
Before credits & paid funds$111,723The complete starting cash picture.
Estimated remaining funds due at closing
$111,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,442.88
Your down payment$88,442.88
Closing costs + prepaids$23,279.67
Total buyer cash needed$111,722.54
Remaining funds due$111,722.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,990.00
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)$1,807.75
Prepaid interest, first (27 days)$4,256.92
Fees + prepaids$23,279.67
Your down payment is the seller’s equity. You take over the $910,557 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $111,722.54 is due at closing. Uses and sources reconcile at $1,022,279.67 each. Not a Closing Disclosure.