Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$9,134Cash toward the purchase price.
Closing costs + prepaids$8,811Not just lender fees.
Before credits & paid funds$17,945The complete starting cash picture.
Estimated remaining funds due at closing
$17,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,133.87
Your down payment$9,133.87
Closing costs + prepaids$8,811.38
Total buyer cash needed$17,945.25
Remaining funds due$17,945.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,879.00
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)$235.00
Prepaid interest, first (15 days)$472.38
Fees + prepaids$8,811.38
Your down payment is the seller’s equity. You take over the $178,766 balance, so the rest of the $187,900 price is paid at closing. A second mortgage can cover part of it. $17,945.25 is due at closing. Uses and sources reconcile at $196,711.38 each. Not a Closing Disclosure.