Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$208,082Cash toward the purchase price.
Closing costs + prepaids$20,402Not just lender fees.
Before credits & paid funds$228,484The complete starting cash picture.
Estimated remaining funds due at closing
$228,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,082.31
Your down payment$208,082.31
Closing costs + prepaids$20,401.64
Total buyer cash needed$228,483.95
Remaining funds due$228,483.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,700.00
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)$1,164.00
Initial HOA (3 months)$722.01
Prepaid interest, first (12 days)$1,590.63
Fees + prepaids$20,401.64
Your down payment is the seller’s equity. You take over the $761,918 balance, so the rest of the $970,000 price is paid at closing. A second mortgage can cover part of it. $228,483.95 is due at closing. Uses and sources reconcile at $990,401.64 each. Not a Closing Disclosure.