Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,962Cash toward the purchase price.
Closing costs + prepaids$8,989Not just lender fees.
Before credits & paid funds$31,951The complete starting cash picture.
Estimated remaining funds due at closing
$31,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,961.78
Your down payment$22,961.78
Closing costs + prepaids$8,989.15
Total buyer cash needed$31,950.93
Remaining funds due$31,950.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$156.50
Prepaid interest, first (26 days)$807.65
Fees + prepaids$8,989.15
Your down payment is the seller’s equity. You take over the $157,038 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $31,950.93 is due at closing. Uses and sources reconcile at $188,989.15 each. Not a Closing Disclosure.