Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$147,668Cash toward the purchase price.
Closing costs + prepaids$20,150Not just lender fees.
Before credits & paid funds$167,818The complete starting cash picture.
Estimated remaining funds due at closing
$167,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,668.12
Your down payment$147,668.12
Closing costs + prepaids$20,149.55
Total buyer cash needed$167,817.67
Remaining funds due$167,817.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
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)$1,156.25
Initial HOA (3 months)$270.00
Prepaid interest, first (17 days)$2,248.30
Fees + prepaids$20,149.55
Your down payment is the seller’s equity. You take over the $777,332 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $167,817.67 is due at closing. Uses and sources reconcile at $945,149.55 each. Not a Closing Disclosure.