Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,681Cash toward the purchase price.
Closing costs + prepaids$9,328Not just lender fees.
Before credits & paid funds$34,008The complete starting cash picture.
Estimated remaining funds due at closing
$34,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,680.58
Your down payment$24,680.58
Closing costs + prepaids$9,327.78
Total buyer cash needed$34,008.36
Remaining funds due$34,008.36
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)$486.50
Prepaid interest, first (26 days)$766.28
Fees + prepaids$9,327.78
Your down payment is the seller’s equity. You take over the $160,319 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $34,008.36 is due at closing. Uses and sources reconcile at $194,327.78 each. Not a Closing Disclosure.