Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,162Cash toward the purchase price.
Closing costs + prepaids$24,197Not just lender fees.
Before credits & paid funds$153,359The complete starting cash picture.
Estimated remaining funds due at closing
$153,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,161.68
Your down payment$129,161.68
Closing costs + prepaids$24,197.16
Total buyer cash needed$153,358.84
Remaining funds due$153,358.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,699.00
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)$2,424.75
Prepaid interest, first (31 days)$4,848.41
Fees + prepaids$24,197.16
Your down payment is the seller’s equity. You take over the $840,738 balance, so the rest of the $969,900 price is paid at closing. A second mortgage can cover part of it. $153,358.84 is due at closing. Uses and sources reconcile at $994,097.16 each. Not a Closing Disclosure.