Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$60,216Cash toward the purchase price.
Closing costs + prepaids$18,491Not just lender fees.
Before credits & paid funds$78,706The complete starting cash picture.
Estimated remaining funds due at closing
$78,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,215.71
Your down payment$60,215.71
Closing costs + prepaids$18,490.54
Total buyer cash needed$78,706.24
Remaining funds due$78,706.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
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)$1,110.00
Prepaid interest, first (6 days)$905.54
Fees + prepaids$18,490.54
Your down payment is the seller’s equity. You take over the $864,784 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $78,706.24 is due at closing. Uses and sources reconcile at $943,490.54 each. Not a Closing Disclosure.