Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$173,185Cash toward the purchase price.
Closing costs + prepaids$21,949Not just lender fees.
Before credits & paid funds$195,134The complete starting cash picture.
Estimated remaining funds due at closing
$195,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,184.91
Your down payment$173,184.91
Closing costs + prepaids$21,949.12
Total buyer cash needed$195,134.02
Remaining funds due$195,134.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,890.00
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)$2,472.50
Prepaid interest, first (18 days)$2,361.62
Fees + prepaids$21,949.12
Your down payment is the seller’s equity. You take over the $815,815 balance, so the rest of the $989,000 price is paid at closing. A second mortgage can cover part of it. $195,134.02 is due at closing. Uses and sources reconcile at $1,010,949.12 each. Not a Closing Disclosure.