Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$152,987Cash toward the purchase price.
Closing costs + prepaids$19,265Not just lender fees.
Before credits & paid funds$172,252The complete starting cash picture.
Estimated remaining funds due at closing
$172,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,987.00
Your down payment$152,987.00
Closing costs + prepaids$19,265.14
Total buyer cash needed$172,252.14
Remaining funds due$172,252.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,790.00
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)$1,098.75
Prepaid interest, first (16 days)$2,151.39
Fees + prepaids$19,265.14
Your down payment is the seller’s equity. You take over the $726,013 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $172,252.14 is due at closing. Uses and sources reconcile at $898,265.14 each. Not a Closing Disclosure.