Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,786Cash toward the purchase price.
Closing costs + prepaids$9,771Not just lender fees.
Before credits & paid funds$39,557The complete starting cash picture.
Estimated remaining funds due at closing
$39,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,785.95
Your down payment$29,785.95
Closing costs + prepaids$9,770.65
Total buyer cash needed$39,556.59
Remaining funds due$39,556.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,600.00
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)$1,330.25
Prepaid interest, first (25 days)$615.40
Fees + prepaids$9,770.65
Your down payment is the seller’s equity. You take over the $130,214 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $39,556.59 is due at closing. Uses and sources reconcile at $169,770.65 each. Not a Closing Disclosure.