Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$140,241Cash toward the purchase price.
Closing costs + prepaids$17,810Not just lender fees.
Before credits & paid funds$158,051The complete starting cash picture.
Estimated remaining funds due at closing
$158,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,240.65
Your down payment$140,240.65
Closing costs + prepaids$17,810.09
Total buyer cash needed$158,050.74
Remaining funds due$158,050.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$1,050.00
Prepaid interest, first (6 days)$785.09
Fees + prepaids$17,810.09
Your down payment is the seller’s equity. You take over the $734,759 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $158,050.74 is due at closing. Uses and sources reconcile at $892,810.09 each. Not a Closing Disclosure.