Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,528Cash toward the purchase price.
Closing costs + prepaids$8,813Not just lender fees.
Before credits & paid funds$35,341The complete starting cash picture.
Estimated remaining funds due at closing
$35,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,528.05
Your down payment$26,528.05
Closing costs + prepaids$8,812.68
Total buyer cash needed$35,340.72
Remaining funds due$35,340.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,649.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Prepaid interest, first (18 days)$459.93
Fees + prepaids$8,812.68
Your down payment is the seller’s equity. You take over the $138,372 balance, so the rest of the $164,900 price is paid at closing. A second mortgage can cover part of it. $35,340.72 is due at closing. Uses and sources reconcile at $173,712.68 each. Not a Closing Disclosure.