Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$175,793Cash toward the purchase price.
Closing costs + prepaids$18,996Not just lender fees.
Before credits & paid funds$194,788The complete starting cash picture.
Estimated remaining funds due at closing
$194,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,792.54
Your down payment$175,792.54
Closing costs + prepaids$18,995.51
Total buyer cash needed$194,788.05
Remaining funds due$194,788.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,690.00
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)$2,172.50
Initial HOA (3 months)$750.00
Prepaid interest, first (2 days)$158.01
Fees + prepaids$18,995.51
Your down payment is the seller’s equity. You take over the $693,207 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $194,788.05 is due at closing. Uses and sources reconcile at $887,995.51 each. Not a Closing Disclosure.