Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$180,143Cash toward the purchase price.
Closing costs + prepaids$17,926Not just lender fees.
Before credits & paid funds$198,069The complete starting cash picture.
Estimated remaining funds due at closing
$198,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,142.86
Your down payment$180,142.86
Closing costs + prepaids$17,925.75
Total buyer cash needed$198,068.61
Remaining funds due$198,068.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
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)$1,006.75
Prepaid interest, first (12 days)$1,304.00
Fees + prepaids$17,925.75
Your down payment is the seller’s equity. You take over the $658,857 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $198,068.61 is due at closing. Uses and sources reconcile at $856,925.75 each. Not a Closing Disclosure.