Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$166,158Cash toward the purchase price.
Closing costs + prepaids$16,440Not just lender fees.
Before credits & paid funds$182,598The complete starting cash picture.
Estimated remaining funds due at closing
$182,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,157.60
Your down payment$166,157.60
Closing costs + prepaids$16,440.29
Total buyer cash needed$182,597.89
Remaining funds due$182,597.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$946.75
Initial HOA (3 months)$8.25
Prepaid interest, first (7 days)$370.29
Fees + prepaids$16,440.29
Your down payment is the seller’s equity. You take over the $622,842 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $182,597.89 is due at closing. Uses and sources reconcile at $805,440.29 each. Not a Closing Disclosure.