Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,498Cash toward the purchase price.
Closing costs + prepaids$9,336Not just lender fees.
Before credits & paid funds$20,834The complete starting cash picture.
Estimated remaining funds due at closing
$20,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,498.08
Your down payment$11,498.08
Closing costs + prepaids$9,336.19
Total buyer cash needed$20,834.26
Remaining funds due$20,834.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.99
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)$835.50
Prepaid interest, first (24 days)$675.70
Fees + prepaids$9,336.19
Your down payment is the seller’s equity. You take over the $148,501 balance, so the rest of the $159,999 price is paid at closing. A second mortgage can cover part of it. $20,834.26 is due at closing. Uses and sources reconcile at $169,335.19 each. Not a Closing Disclosure.