Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,799Cash toward the purchase price.
Closing costs + prepaids$8,912Not just lender fees.
Before credits & paid funds$32,710The complete starting cash picture.
Estimated remaining funds due at closing
$32,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,798.53
Your down payment$23,798.53
Closing costs + prepaids$8,911.58
Total buyer cash needed$32,710.11
Remaining funds due$32,710.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$542.00
Prepaid interest, first (23 days)$294.58
Fees + prepaids$8,911.58
Your down payment is the seller’s equity. You take over the $161,201 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $32,710.11 is due at closing. Uses and sources reconcile at $193,911.58 each. Not a Closing Disclosure.