Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$191,482Cash toward the purchase price.
Closing costs + prepaids$18,658Not just lender fees.
Before credits & paid funds$210,141The complete starting cash picture.
Estimated remaining funds due at closing
$210,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,482.34
Your down payment$191,482.34
Closing costs + prepaids$18,658.27
Total buyer cash needed$210,140.61
Remaining funds due$210,140.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$1,062.50
Initial HOA (3 months)$450.00
Prepaid interest, first (15 days)$1,420.77
Fees + prepaids$18,658.27
Your down payment is the seller’s equity. You take over the $658,518 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $210,140.61 is due at closing. Uses and sources reconcile at $868,658.27 each. Not a Closing Disclosure.