Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$36,604Cash toward the purchase price.
Closing costs + prepaids$7,941Not just lender fees.
Before credits & paid funds$44,545The complete starting cash picture.
Estimated remaining funds due at closing
$44,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,604.02
Your down payment$36,604.02
Closing costs + prepaids$7,941.33
Total buyer cash needed$44,545.36
Remaining funds due$44,545.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,300.00
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)$162.50
Prepaid interest, first (16 days)$253.83
Fees + prepaids$7,941.33
Your down payment is the seller’s equity. You take over the $93,396 balance, so the rest of the $130,000 price is paid at closing. A second mortgage can cover part of it. $44,545.36 is due at closing. Uses and sources reconcile at $137,941.33 each. Not a Closing Disclosure.