Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$230,113Cash toward the purchase price.
Closing costs + prepaids$18,003Not just lender fees.
Before credits & paid funds$248,116The complete starting cash picture.
Estimated remaining funds due at closing
$248,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,112.55
Your down payment$230,112.55
Closing costs + prepaids$18,003.01
Total buyer cash needed$248,115.55
Remaining funds due$248,115.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,450.00
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)$1,014.00
Prepaid interest, first (12 days)$1,314.01
Fees + prepaids$18,003.01
Your down payment is the seller’s equity. You take over the $614,887 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $248,115.55 is due at closing. Uses and sources reconcile at $863,003.01 each. Not a Closing Disclosure.