Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$20,531Cash toward the purchase price.
Closing costs + prepaids$8,521Not just lender fees.
Before credits & paid funds$29,052The complete starting cash picture.
Estimated remaining funds due at closing
$29,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,530.68
Your down payment$20,530.68
Closing costs + prepaids$8,521.13
Total buyer cash needed$29,051.81
Remaining funds due$29,051.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,575.00
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)$78.50
Initial HOA (3 months)$438.00
Prepaid interest, first (19 days)$204.63
Fees + prepaids$8,521.13
Your down payment is the seller’s equity. You take over the $136,969 balance, so the rest of the $157,500 price is paid at closing. A second mortgage can cover part of it. $29,051.81 is due at closing. Uses and sources reconcile at $166,021.13 each. Not a Closing Disclosure.