Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$7,910Cash toward the purchase price.
Closing costs + prepaids$9,673Not just lender fees.
Before credits & paid funds$17,583The complete starting cash picture.
Estimated remaining funds due at closing
$17,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,909.50
Your down payment$7,909.50
Closing costs + prepaids$9,673.22
Total buyer cash needed$17,582.72
Remaining funds due$17,582.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.99
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)$375.00
Initial HOA (3 months)$900.00
Prepaid interest, first (29 days)$723.23
Fees + prepaids$9,673.22
Your down payment is the seller’s equity. You take over the $137,089 balance, so the rest of the $144,999 price is paid at closing. A second mortgage can cover part of it. $17,582.72 is due at closing. Uses and sources reconcile at $154,672.22 each. Not a Closing Disclosure.