Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$197,351Cash toward the purchase price.
Closing costs + prepaids$20,278Not just lender fees.
Before credits & paid funds$217,629The complete starting cash picture.
Estimated remaining funds due at closing
$217,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,350.77
Your down payment$197,350.77
Closing costs + prepaids$20,277.86
Total buyer cash needed$217,628.63
Remaining funds due$217,628.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,250.00
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)$2,562.50
Prepaid interest, first (2 days)$240.36
Fees + prepaids$20,277.86
Your down payment is the seller’s equity. You take over the $827,649 balance, so the rest of the $1,025,000 price is paid at closing. A second mortgage can cover part of it. $217,628.63 is due at closing. Uses and sources reconcile at $1,045,277.86 each. Not a Closing Disclosure.