Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,562Cash toward the purchase price.
Closing costs + prepaids$8,739Not just lender fees.
Before credits & paid funds$29,301The complete starting cash picture.
Estimated remaining funds due at closing
$29,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,561.63
Your down payment$20,561.63
Closing costs + prepaids$8,739.30
Total buyer cash needed$29,300.93
Remaining funds due$29,300.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,450.00
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)$467.75
Prepaid interest, first (26 days)$596.55
Fees + prepaids$8,739.30
Your down payment is the seller’s equity. You take over the $124,438 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $29,300.93 is due at closing. Uses and sources reconcile at $153,739.30 each. Not a Closing Disclosure.