Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$19,577Cash toward the purchase price.
Closing costs + prepaids$9,465Not just lender fees.
Before credits & paid funds$29,042The complete starting cash picture.
Estimated remaining funds due at closing
$29,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,576.70
Your down payment$19,576.70
Closing costs + prepaids$9,465.33
Total buyer cash needed$29,042.03
Remaining funds due$29,042.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$698.00
Prepaid interest, first (27 days)$842.33
Fees + prepaids$9,465.33
Your down payment is the seller’s equity. You take over the $150,423 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $29,042.03 is due at closing. Uses and sources reconcile at $179,465.33 each. Not a Closing Disclosure.