Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$27,418Cash toward the purchase price.
Closing costs + prepaids$8,710Not just lender fees.
Before credits & paid funds$36,128The complete starting cash picture.
Estimated remaining funds due at closing
$36,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,417.93
Your down payment$27,417.93
Closing costs + prepaids$8,709.60
Total buyer cash needed$36,127.53
Remaining funds due$36,127.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,519.95
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)$182.50
Initial HOA (3 months)$690.00
Prepaid interest, first (9 days)$92.15
Fees + prepaids$8,709.60
Your down payment is the seller’s equity. You take over the $124,577 balance, so the rest of the $151,995 price is paid at closing. A second mortgage can cover part of it. $36,127.53 is due at closing. Uses and sources reconcile at $160,704.60 each. Not a Closing Disclosure.