Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$121,486Cash toward the purchase price.
Closing costs + prepaids$25,920Not just lender fees.
Before credits & paid funds$147,406The complete starting cash picture.
Estimated remaining funds due at closing
$147,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,486.04
Your down payment$121,486.04
Closing costs + prepaids$25,920.22
Total buyer cash needed$147,406.26
Remaining funds due$147,406.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,489.00
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)$2,622.25
Initial HOA (3 months)$1,575.00
Prepaid interest, first (23 days)$4,008.97
Fees + prepaids$25,920.22
Your down payment is the seller’s equity. You take over the $927,414 balance, so the rest of the $1,048,900 price is paid at closing. A second mortgage can cover part of it. $147,406.26 is due at closing. Uses and sources reconcile at $1,074,820.22 each. Not a Closing Disclosure.