Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$28,687Cash toward the purchase price.
Closing costs + prepaids$8,760Not just lender fees.
Before credits & paid funds$37,447The complete starting cash picture.
Estimated remaining funds due at closing
$37,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,686.97
Your down payment$28,686.97
Closing costs + prepaids$8,759.77
Total buyer cash needed$37,446.74
Remaining funds due$37,446.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,820.00
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)$218.50
Prepaid interest, first (17 days)$496.27
Fees + prepaids$8,759.77
Your down payment is the seller’s equity. You take over the $153,313 balance, so the rest of the $182,000 price is paid at closing. A second mortgage can cover part of it. $37,446.74 is due at closing. Uses and sources reconcile at $190,759.77 each. Not a Closing Disclosure.