Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$130,250Cash toward the purchase price.
Closing costs + prepaids$19,023Not just lender fees.
Before credits & paid funds$149,273The complete starting cash picture.
Estimated remaining funds due at closing
$149,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,249.91
Your down payment$130,249.91
Closing costs + prepaids$19,023.46
Total buyer cash needed$149,273.37
Remaining funds due$149,273.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,450.00
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)$1,056.25
Initial HOA (3 months)$165.00
Prepaid interest, first (17 days)$2,127.21
Fees + prepaids$19,023.46
Your down payment is the seller’s equity. You take over the $714,750 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $149,273.37 is due at closing. Uses and sources reconcile at $864,023.46 each. Not a Closing Disclosure.