Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,886Cash toward the purchase price.
Closing costs + prepaids$8,636Not just lender fees.
Before credits & paid funds$28,522The complete starting cash picture.
Estimated remaining funds due at closing
$28,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,885.87
Your down payment$19,885.87
Closing costs + prepaids$8,636.08
Total buyer cash needed$28,521.96
Remaining funds due$28,521.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$37.50
Prepaid interest, first (28 days)$723.58
Fees + prepaids$8,636.08
Your down payment is the seller’s equity. You take over the $145,114 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $28,521.96 is due at closing. Uses and sources reconcile at $173,636.08 each. Not a Closing Disclosure.