Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,946Cash toward the purchase price.
Closing costs + prepaids$8,975Not just lender fees.
Before credits & paid funds$37,921The complete starting cash picture.
Estimated remaining funds due at closing
$37,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,945.77
Your down payment$28,945.77
Closing costs + prepaids$8,974.94
Total buyer cash needed$37,920.70
Remaining funds due$37,920.70
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)$531.00
Prepaid interest, first (26 days)$618.94
Fees + prepaids$8,974.94
Your down payment is the seller’s equity. You take over the $131,054 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $37,920.70 is due at closing. Uses and sources reconcile at $168,974.94 each. Not a Closing Disclosure.