Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$37,772Cash toward the purchase price.
Closing costs + prepaids$8,260Not just lender fees.
Before credits & paid funds$46,032The complete starting cash picture.
Estimated remaining funds due at closing
$46,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,772.41
Your down payment$37,772.41
Closing costs + prepaids$8,260.07
Total buyer cash needed$46,032.48
Remaining funds due$46,032.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,640.00
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)$113.25
Prepaid interest, first (29 days)$281.82
Fees + prepaids$8,260.07
Your down payment is the seller’s equity. You take over the $126,228 balance, so the rest of the $164,000 price is paid at closing. A second mortgage can cover part of it. $46,032.48 is due at closing. Uses and sources reconcile at $172,260.07 each. Not a Closing Disclosure.