Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$180,143Cash toward the purchase price.
Closing costs + prepaids$20,726Not just lender fees.
Before credits & paid funds$200,868The complete starting cash picture.
Estimated remaining funds due at closing
$200,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,142.86
Your down payment$180,142.86
Closing costs + prepaids$20,725.57
Total buyer cash needed$200,868.44
Remaining funds due$200,868.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
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)$2,285.25
Prepaid interest, first (26 days)$2,825.32
Fees + prepaids$20,725.57
Your down payment is the seller’s equity. You take over the $658,857 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $200,868.44 is due at closing. Uses and sources reconcile at $859,725.57 each. Not a Closing Disclosure.