Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$130,052Cash toward the purchase price.
Closing costs + prepaids$21,274Not just lender fees.
Before credits & paid funds$151,326The complete starting cash picture.
Estimated remaining funds due at closing
$151,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,052.17
Your down payment$130,052.17
Closing costs + prepaids$21,273.65
Total buyer cash needed$151,325.82
Remaining funds due$151,325.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$2,062.50
Prepaid interest, first (31 days)$3,736.15
Fees + prepaids$21,273.65
Your down payment is the seller’s equity. You take over the $694,948 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $151,325.82 is due at closing. Uses and sources reconcile at $846,273.65 each. Not a Closing Disclosure.