Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$177,756Cash toward the purchase price.
Closing costs + prepaids$22,910Not just lender fees.
Before credits & paid funds$200,666The complete starting cash picture.
Estimated remaining funds due at closing
$200,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,755.59
Your down payment$177,755.59
Closing costs + prepaids$22,909.92
Total buyer cash needed$200,665.50
Remaining funds due$200,665.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,250.00
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)$3,062.50
Prepaid interest, first (2 days)$372.42
Fees + prepaids$22,909.92
Your down payment is the seller’s equity. You take over the $1,047,244 balance, so the rest of the $1,225,000 price is paid at closing. A second mortgage can cover part of it. $200,665.50 is due at closing. Uses and sources reconcile at $1,247,909.92 each. Not a Closing Disclosure.