Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$171,072Cash toward the purchase price.
Closing costs + prepaids$21,216Not just lender fees.
Before credits & paid funds$192,288The complete starting cash picture.
Estimated remaining funds due at closing
$192,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,071.78
Your down payment$171,071.78
Closing costs + prepaids$21,215.77
Total buyer cash needed$192,287.54
Remaining funds due$192,287.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,077.77
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)$2,019.50
Prepaid interest, first (30 days)$3,893.50
Fees + prepaids$21,215.77
Your down payment is the seller’s equity. You take over the $636,705 balance, so the rest of the $807,777 price is paid at closing. A second mortgage can cover part of it. $192,287.54 is due at closing. Uses and sources reconcile at $828,992.77 each. Not a Closing Disclosure.