Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$178,586Cash toward the purchase price.
Closing costs + prepaids$21,567Not just lender fees.
Before credits & paid funds$200,153The complete starting cash picture.
Estimated remaining funds due at closing
$200,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,586.44
Your down payment$178,586.44
Closing costs + prepaids$21,567.02
Total buyer cash needed$200,153.46
Remaining funds due$200,153.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,499.00
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)$1,312.50
Initial HOA (3 months)$135.00
Prepaid interest, first (15 days)$2,395.52
Fees + prepaids$21,567.02
Your down payment is the seller’s equity. You take over the $871,314 balance, so the rest of the $1,049,900 price is paid at closing. A second mortgage can cover part of it. $200,153.46 is due at closing. Uses and sources reconcile at $1,071,467.02 each. Not a Closing Disclosure.