Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,827Cash toward the purchase price.
Closing costs + prepaids$25,342Not just lender fees.
Before credits & paid funds$164,169The complete starting cash picture.
Estimated remaining funds due at closing
$164,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,826.69
Your down payment$138,826.69
Closing costs + prepaids$25,341.96
Total buyer cash needed$164,168.65
Remaining funds due$164,168.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,290.00
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)$2,572.50
Prepaid interest, first (31 days)$5,254.46
Fees + prepaids$25,341.96
Your down payment is the seller’s equity. You take over the $890,173 balance, so the rest of the $1,029,000 price is paid at closing. A second mortgage can cover part of it. $164,168.65 is due at closing. Uses and sources reconcile at $1,054,341.96 each. Not a Closing Disclosure.