Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$141,238Cash toward the purchase price.
Closing costs + prepaids$21,272Not just lender fees.
Before credits & paid funds$162,510The complete starting cash picture.
Estimated remaining funds due at closing
$162,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,238.25
Your down payment$141,238.25
Closing costs + prepaids$21,271.93
Total buyer cash needed$162,510.18
Remaining funds due$162,510.18
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
Initial HOA (3 months)$177.00
Prepaid interest, first (30 days)$3,557.43
Fees + prepaids$21,271.93
Your down payment is the seller’s equity. You take over the $683,762 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $162,510.18 is due at closing. Uses and sources reconcile at $846,271.93 each. Not a Closing Disclosure.