Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,407Cash toward the purchase price.
Closing costs + prepaids$21,755Not just lender fees.
Before credits & paid funds$138,162The complete starting cash picture.
Estimated remaining funds due at closing
$138,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,406.99
Your down payment$116,406.99
Closing costs + prepaids$21,754.94
Total buyer cash needed$138,161.93
Remaining funds due$138,161.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$2,375.00
Prepaid interest, first (31 days)$2,654.94
Fees + prepaids$21,754.94
Your down payment is the seller’s equity. You take over the $833,593 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $138,161.93 is due at closing. Uses and sources reconcile at $971,754.94 each. Not a Closing Disclosure.