Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,668Cash toward the purchase price.
Closing costs + prepaids$21,772Not just lender fees.
Before credits & paid funds$169,440The complete starting cash picture.
Estimated remaining funds due at closing
$169,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,668.12
Your down payment$147,668.12
Closing costs + prepaids$21,772.08
Total buyer cash needed$169,440.20
Remaining funds due$169,440.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
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)$1,324.00
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$3,703.08
Fees + prepaids$21,772.08
Your down payment is the seller’s equity. You take over the $777,332 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $169,440.20 is due at closing. Uses and sources reconcile at $946,772.08 each. Not a Closing Disclosure.