Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$22,518Cash toward the purchase price.
Closing costs + prepaids$8,170Not just lender fees.
Before credits & paid funds$30,688The complete starting cash picture.
Estimated remaining funds due at closing
$30,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,517.85
Your down payment$22,517.85
Closing costs + prepaids$8,169.94
Total buyer cash needed$30,687.80
Remaining funds due$30,687.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,410.00
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)$176.25
Prepaid interest, first (17 days)$358.69
Fees + prepaids$8,169.94
Your down payment is the seller’s equity. You take over the $118,482 balance, so the rest of the $141,000 price is paid at closing. A second mortgage can cover part of it. $30,687.80 is due at closing. Uses and sources reconcile at $149,169.94 each. Not a Closing Disclosure.