Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$27,418Cash toward the purchase price.
Closing costs + prepaids$8,729Not just lender fees.
Before credits & paid funds$36,147The complete starting cash picture.
Estimated remaining funds due at closing
$36,147No 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$8,728.75
Total buyer cash needed$36,146.68
Remaining funds due$36,146.68
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)$99.25
Initial HOA (3 months)$690.00
Prepaid interest, first (19 days)$194.55
Fees + prepaids$8,728.75
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. $36,146.68 is due at closing. Uses and sources reconcile at $160,723.75 each. Not a Closing Disclosure.