Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,743Cash toward the purchase price.
Closing costs + prepaids$8,930Not just lender fees.
Before credits & paid funds$42,674The complete starting cash picture.
Estimated remaining funds due at closing
$42,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,743.34
Your down payment$33,743.34
Closing costs + prepaids$8,930.27
Total buyer cash needed$42,673.61
Remaining funds due$42,673.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,550.00
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)$485.00
Prepaid interest, first (26 days)$670.27
Fees + prepaids$8,930.27
Your down payment is the seller’s equity. You take over the $121,257 balance, so the rest of the $155,000 price is paid at closing. A second mortgage can cover part of it. $42,673.61 is due at closing. Uses and sources reconcile at $163,930.27 each. Not a Closing Disclosure.