Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$153,391Cash toward the purchase price.
Closing costs + prepaids$18,327Not just lender fees.
Before credits & paid funds$171,717The complete starting cash picture.
Estimated remaining funds due at closing
$171,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,390.70
Your down payment$153,390.70
Closing costs + prepaids$18,326.69
Total buyer cash needed$171,717.40
Remaining funds due$171,717.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,200.00
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)$2,050.00
Initial HOA (3 months)$615.00
Prepaid interest, first (2 days)$236.69
Fees + prepaids$18,326.69
Your down payment is the seller’s equity. You take over the $666,609 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $171,717.40 is due at closing. Uses and sources reconcile at $838,326.69 each. Not a Closing Disclosure.