Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$143,720Cash toward the purchase price.
Closing costs + prepaids$19,406Not just lender fees.
Before credits & paid funds$163,127The complete starting cash picture.
Estimated remaining funds due at closing
$163,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,720.31
Your down payment$143,720.31
Closing costs + prepaids$19,406.22
Total buyer cash needed$163,126.53
Remaining funds due$163,126.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,140.00
Initial HOA (3 months)$465.00
Prepaid interest, first (7 days)$1,076.22
Fees + prepaids$19,406.22
Your down payment is the seller’s equity. You take over the $806,280 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $163,126.53 is due at closing. Uses and sources reconcile at $969,406.22 each. Not a Closing Disclosure.