Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,103Cash toward the purchase price.
Closing costs + prepaids$8,638Not just lender fees.
Before credits & paid funds$153,741The complete starting cash picture.
Estimated remaining funds due at closing
$153,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,102.86
Your down payment$145,102.86
Closing costs + prepaids$8,637.73
Total buyer cash needed$153,740.59
Remaining funds due$153,740.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,829.00
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)$409.50
Prepaid interest, first (25 days)$174.23
Fees + prepaids$8,637.73
Your down payment is the seller’s equity. You take over the $37,797 balance, so the rest of the $182,900 price is paid at closing. A second mortgage can cover part of it. $153,740.59 is due at closing. Uses and sources reconcile at $191,537.73 each. Not a Closing Disclosure.