Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$125,723Cash toward the purchase price.
Closing costs + prepaids$19,133Not just lender fees.
Before credits & paid funds$144,856The complete starting cash picture.
Estimated remaining funds due at closing
$144,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,723.02
Your down payment$125,723.02
Closing costs + prepaids$19,133.43
Total buyer cash needed$144,856.45
Remaining funds due$144,856.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$1,080.00
Initial HOA (3 months)$240.00
Prepaid interest, first (12 days)$1,588.43
Fees + prepaids$19,133.43
Your down payment is the seller’s equity. You take over the $774,277 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $144,856.45 is due at closing. Uses and sources reconcile at $919,133.43 each. Not a Closing Disclosure.