Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$182,889Cash toward the purchase price.
Closing costs + prepaids$20,705Not just lender fees.
Before credits & paid funds$203,594The complete starting cash picture.
Estimated remaining funds due at closing
$203,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,888.60
Your down payment$182,888.60
Closing costs + prepaids$20,705.06
Total buyer cash needed$203,593.66
Remaining funds due$203,593.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,799.00
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)$1,225.00
Initial HOA (3 months)$110.01
Prepaid interest, first (17 days)$2,346.05
Fees + prepaids$20,705.06
Your down payment is the seller’s equity. You take over the $797,011 balance, so the rest of the $979,900 price is paid at closing. A second mortgage can cover part of it. $203,593.66 is due at closing. Uses and sources reconcile at $1,000,605.06 each. Not a Closing Disclosure.