Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$31,633Cash toward the purchase price.
Closing costs + prepaids$8,933Not just lender fees.
Before credits & paid funds$40,566The complete starting cash picture.
Estimated remaining funds due at closing
$40,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,632.70
Your down payment$31,632.70
Closing costs + prepaids$8,933.36
Total buyer cash needed$40,566.06
Remaining funds due$40,566.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$423.50
Initial HOA (3 months)$24.99
Prepaid interest, first (22 days)$560.87
Fees + prepaids$8,933.36
Your down payment is the seller’s equity. You take over the $138,267 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $40,566.06 is due at closing. Uses and sources reconcile at $178,833.36 each. Not a Closing Disclosure.