Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$73,943Cash toward the purchase price.
Closing costs + prepaids$19,641Not just lender fees.
Before credits & paid funds$93,584The complete starting cash picture.
Estimated remaining funds due at closing
$93,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,942.99
Your down payment$73,942.99
Closing costs + prepaids$19,640.99
Total buyer cash needed$93,583.98
Remaining funds due$93,583.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,170.00
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)$547.75
Prepaid interest, first (18 days)$2,698.24
Fees + prepaids$19,640.99
Your down payment is the seller’s equity. You take over the $843,057 balance, so the rest of the $917,000 price is paid at closing. A second mortgage can cover part of it. $93,583.98 is due at closing. Uses and sources reconcile at $936,640.99 each. Not a Closing Disclosure.