Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$95,630Cash toward the purchase price.
Closing costs + prepaids$18,123Not just lender fees.
Before credits & paid funds$113,752The complete starting cash picture.
Estimated remaining funds due at closing
$113,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,629.54
Your down payment$95,629.54
Closing costs + prepaids$18,122.91
Total buyer cash needed$113,752.45
Remaining funds due$113,752.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$1,020.00
Initial HOA (3 months)$384.00
Prepaid interest, first (7 days)$993.91
Fees + prepaids$18,122.91
Your down payment is the seller’s equity. You take over the $754,370 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $113,752.45 is due at closing. Uses and sources reconcile at $868,122.91 each. Not a Closing Disclosure.