Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,095Cash toward the purchase price.
Closing costs + prepaids$8,663Not just lender fees.
Before credits & paid funds$32,758The complete starting cash picture.
Estimated remaining funds due at closing
$32,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,095.39
Your down payment$24,095.39
Closing costs + prepaids$8,662.80
Total buyer cash needed$32,758.19
Remaining funds due$32,758.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.00
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)$250.00
Prepaid interest, first (25 days)$588.80
Fees + prepaids$8,662.80
Your down payment is the seller’s equity. You take over the $135,805 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $32,758.19 is due at closing. Uses and sources reconcile at $168,562.80 each. Not a Closing Disclosure.