Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,527Cash toward the purchase price.
Closing costs + prepaids$9,085Not just lender fees.
Before credits & paid funds$22,612The complete starting cash picture.
Estimated remaining funds due at closing
$22,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,526.92
Your down payment$13,526.92
Closing costs + prepaids$9,085.48
Total buyer cash needed$22,612.40
Remaining funds due$22,612.40
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)$647.50
Prepaid interest, first (25 days)$612.98
Fees + prepaids$9,085.48
Your down payment is the seller’s equity. You take over the $146,473 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $22,612.40 is due at closing. Uses and sources reconcile at $169,085.48 each. Not a Closing Disclosure.