Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$168,342Cash toward the purchase price.
Closing costs + prepaids$23,190Not just lender fees.
Before credits & paid funds$191,532The complete starting cash picture.
Estimated remaining funds due at closing
$191,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,341.66
Your down payment$168,341.66
Closing costs + prepaids$23,190.23
Total buyer cash needed$191,531.88
Remaining funds due$191,531.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,499.00
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)$2,624.75
Initial HOA (3 months)$120.00
Prepaid interest, first (18 days)$2,721.48
Fees + prepaids$23,190.23
Your down payment is the seller’s equity. You take over the $881,558 balance, so the rest of the $1,049,900 price is paid at closing. A second mortgage can cover part of it. $191,531.88 is due at closing. Uses and sources reconcile at $1,073,090.23 each. Not a Closing Disclosure.