Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$20,076Cash toward the purchase price.
Closing costs + prepaids$9,136Not just lender fees.
Before credits & paid funds$29,212The complete starting cash picture.
Estimated remaining funds due at closing
$29,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,075.85
Your down payment$20,075.85
Closing costs + prepaids$9,135.69
Total buyer cash needed$29,211.55
Remaining funds due$29,211.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$437.00
Prepaid interest, first (27 days)$774.69
Fees + prepaids$9,135.69
Your down payment is the seller’s equity. You take over the $149,824 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $29,211.55 is due at closing. Uses and sources reconcile at $179,035.69 each. Not a Closing Disclosure.