Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$178,586Cash toward the purchase price.
Closing costs + prepaids$23,525Not just lender fees.
Before credits & paid funds$202,111The complete starting cash picture.
Estimated remaining funds due at closing
$202,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,586.44
Your down payment$178,586.44
Closing costs + prepaids$23,524.78
Total buyer cash needed$202,111.22
Remaining funds due$202,111.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,499.00
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)$1,673.25
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$3,992.53
Fees + prepaids$23,524.78
Your down payment is the seller’s equity. You take over the $871,314 balance, so the rest of the $1,049,900 price is paid at closing. A second mortgage can cover part of it. $202,111.22 is due at closing. Uses and sources reconcile at $1,073,424.78 each. Not a Closing Disclosure.