Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,423Cash toward the purchase price.
Closing costs + prepaids$9,059Not just lender fees.
Before credits & paid funds$43,482The complete starting cash picture.
Estimated remaining funds due at closing
$43,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,422.83
Your down payment$34,422.83
Closing costs + prepaids$9,059.04
Total buyer cash needed$43,481.87
Remaining funds due$43,481.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,709.84
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)$530.25
Prepaid interest, first (25 days)$593.95
Fees + prepaids$9,059.04
Your down payment is the seller’s equity. You take over the $136,561 balance, so the rest of the $170,984 price is paid at closing. A second mortgage can cover part of it. $43,481.87 is due at closing. Uses and sources reconcile at $180,043.04 each. Not a Closing Disclosure.