Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,960Cash toward the purchase price.
Closing costs + prepaids$17,854Not just lender fees.
Before credits & paid funds$189,814The complete starting cash picture.
Estimated remaining funds due at closing
$189,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,960.04
Your down payment$171,960.04
Closing costs + prepaids$17,853.70
Total buyer cash needed$189,813.74
Remaining funds due$189,813.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,899.00
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)$2,295.75
Initial HOA (3 months)$180.00
Prepaid interest, first (2 days)$253.95
Fees + prepaids$17,853.70
Your down payment is the seller’s equity. You take over the $617,940 balance, so the rest of the $789,900 price is paid at closing. A second mortgage can cover part of it. $189,813.74 is due at closing. Uses and sources reconcile at $807,753.70 each. Not a Closing Disclosure.