Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$46,235Cash toward the purchase price.
Closing costs + prepaids$21,824Not just lender fees.
Before credits & paid funds$68,059The complete starting cash picture.
Estimated remaining funds due at closing
$68,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,234.71
Your down payment$46,234.71
Closing costs + prepaids$21,824.24
Total buyer cash needed$68,058.95
Remaining funds due$68,058.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,390.00
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)$2,347.50
Prepaid interest, first (18 days)$2,861.74
Fees + prepaids$21,824.24
Your down payment is the seller’s equity. You take over the $892,765 balance, so the rest of the $939,000 price is paid at closing. A second mortgage can cover part of it. $68,058.95 is due at closing. Uses and sources reconcile at $960,824.24 each. Not a Closing Disclosure.