Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,779Cash toward the purchase price.
Closing costs + prepaids$8,828Not just lender fees.
Before credits & paid funds$45,607The complete starting cash picture.
Estimated remaining funds due at closing
$45,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,779.12
Your down payment$36,779.12
Closing costs + prepaids$8,827.75
Total buyer cash needed$45,606.87
Remaining funds due$45,606.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$667.50
Prepaid interest, first (28 days)$285.25
Fees + prepaids$8,827.75
Your down payment is the seller’s equity. You take over the $128,221 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $45,606.87 is due at closing. Uses and sources reconcile at $173,827.75 each. Not a Closing Disclosure.