Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,267Cash toward the purchase price.
Closing costs + prepaids$19,369Not just lender fees.
Before credits & paid funds$192,636The complete starting cash picture.
Estimated remaining funds due at closing
$192,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,267.00
Your down payment$173,267.00
Closing costs + prepaids$19,369.31
Total buyer cash needed$192,636.31
Remaining funds due$192,636.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,490.00
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)$2,372.50
Prepaid interest, first (2 days)$281.81
Fees + prepaids$19,369.31
Your down payment is the seller’s equity. You take over the $775,733 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $192,636.31 is due at closing. Uses and sources reconcile at $968,369.31 each. Not a Closing Disclosure.