Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$18,465Cash toward the purchase price.
Closing costs + prepaids$8,711Not just lender fees.
Before credits & paid funds$27,176The complete starting cash picture.
Estimated remaining funds due at closing
$27,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,465.16
Your down payment$18,465.16
Closing costs + prepaids$8,710.66
Total buyer cash needed$27,175.82
Remaining funds due$27,175.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$218.75
Prepaid interest, first (17 days)$516.91
Fees + prepaids$8,710.66
Your down payment is the seller’s equity. You take over the $156,535 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $27,175.82 is due at closing. Uses and sources reconcile at $183,710.66 each. Not a Closing Disclosure.