Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$16,756Cash toward the purchase price.
Closing costs + prepaids$8,529Not just lender fees.
Before credits & paid funds$25,284The complete starting cash picture.
Estimated remaining funds due at closing
$25,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,755.69
Your down payment$16,755.69
Closing costs + prepaids$8,528.76
Total buyer cash needed$25,284.45
Remaining funds due$25,284.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,720.00
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)$215.00
Prepaid interest, first (17 days)$368.76
Fees + prepaids$8,528.76
Your down payment is the seller’s equity. You take over the $155,244 balance, so the rest of the $172,000 price is paid at closing. A second mortgage can cover part of it. $25,284.45 is due at closing. Uses and sources reconcile at $180,528.76 each. Not a Closing Disclosure.