Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$9,760Cash toward the purchase price.
Closing costs + prepaids$7,959Not just lender fees.
Before credits & paid funds$17,719The complete starting cash picture.
Estimated remaining funds due at closing
$17,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,760.04
Your down payment$9,760.04
Closing costs + prepaids$7,958.50
Total buyer cash needed$17,718.54
Remaining funds due$17,718.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,452.70
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)$174.25
Prepaid interest, first (10 days)$106.55
Fees + prepaids$7,958.50
Your down payment is the seller’s equity. You take over the $135,510 balance, so the rest of the $145,270 price is paid at closing. A second mortgage can cover part of it. $17,718.54 is due at closing. Uses and sources reconcile at $153,228.50 each. Not a Closing Disclosure.