Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$149,290Cash toward the purchase price.
Closing costs + prepaids$18,794Not just lender fees.
Before credits & paid funds$168,084The complete starting cash picture.
Estimated remaining funds due at closing
$168,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,289.50
Your down payment$149,289.50
Closing costs + prepaids$18,794.44
Total buyer cash needed$168,083.94
Remaining funds due$168,083.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,190.00
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)$1,023.75
Initial HOA (3 months)$375.00
Prepaid interest, first (17 days)$1,980.69
Fees + prepaids$18,794.44
Your down payment is the seller’s equity. You take over the $669,710 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $168,083.94 is due at closing. Uses and sources reconcile at $837,794.44 each. Not a Closing Disclosure.