Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$136,417Cash toward the purchase price.
Closing costs + prepaids$20,164Not just lender fees.
Before credits & paid funds$156,581The complete starting cash picture.
Estimated remaining funds due at closing
$156,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,417.41
Your down payment$136,417.41
Closing costs + prepaids$20,163.58
Total buyer cash needed$156,580.99
Remaining funds due$156,580.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,090.00
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)$2,522.50
Prepaid interest, first (2 days)$326.08
Fees + prepaids$20,163.58
Your down payment is the seller’s equity. You take over the $872,583 balance, so the rest of the $1,009,000 price is paid at closing. A second mortgage can cover part of it. $156,580.99 is due at closing. Uses and sources reconcile at $1,029,163.58 each. Not a Closing Disclosure.