Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$20,068Cash toward the purchase price.
Closing costs + prepaids$8,854Not just lender fees.
Before credits & paid funds$28,922The complete starting cash picture.
Estimated remaining funds due at closing
$28,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,067.75
Your down payment$20,067.75
Closing costs + prepaids$8,853.90
Total buyer cash needed$28,921.66
Remaining funds due$28,921.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,839.00
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)$230.00
Prepaid interest, first (18 days)$559.90
Fees + prepaids$8,853.90
Your down payment is the seller’s equity. You take over the $163,832 balance, so the rest of the $183,900 price is paid at closing. A second mortgage can cover part of it. $28,921.66 is due at closing. Uses and sources reconcile at $192,753.90 each. Not a Closing Disclosure.