Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$26,405Cash toward the purchase price.
Closing costs + prepaids$8,711Not just lender fees.
Before credits & paid funds$35,116The complete starting cash picture.
Estimated remaining funds due at closing
$35,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,404.76
Your down payment$26,404.76
Closing costs + prepaids$8,710.99
Total buyer cash needed$35,115.75
Remaining funds due$35,115.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$231.25
Prepaid interest, first (15 days)$404.74
Fees + prepaids$8,710.99
Your down payment is the seller’s equity. You take over the $158,595 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $35,115.75 is due at closing. Uses and sources reconcile at $193,710.99 each. Not a Closing Disclosure.