Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$16,657Cash toward the purchase price.
Closing costs + prepaids$8,812Not just lender fees.
Before credits & paid funds$25,469The complete starting cash picture.
Estimated remaining funds due at closing
$25,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,656.79
Your down payment$16,656.79
Closing costs + prepaids$8,811.84
Total buyer cash needed$25,468.63
Remaining funds due$25,468.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,980.00
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)$166.00
Prepaid interest, first (19 days)$440.84
Fees + prepaids$8,811.84
Your down payment is the seller’s equity. You take over the $181,343 balance, so the rest of the $198,000 price is paid at closing. A second mortgage can cover part of it. $25,468.63 is due at closing. Uses and sources reconcile at $206,811.84 each. Not a Closing Disclosure.