Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$135,250Cash toward the purchase price.
Closing costs + prepaids$20,291Not just lender fees.
Before credits & paid funds$155,541The complete starting cash picture.
Estimated remaining funds due at closing
$155,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,249.91
Your down payment$135,249.91
Closing costs + prepaids$20,290.77
Total buyer cash needed$155,540.67
Remaining funds due$155,540.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$1,022.25
Initial HOA (3 months)$165.00
Prepaid interest, first (27 days)$3,378.52
Fees + prepaids$20,290.77
Your down payment is the seller’s equity. You take over the $714,750 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $155,540.67 is due at closing. Uses and sources reconcile at $870,290.77 each. Not a Closing Disclosure.