Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,361Cash toward the purchase price.
Closing costs + prepaids$9,438Not just lender fees.
Before credits & paid funds$39,799The complete starting cash picture.
Estimated remaining funds due at closing
$39,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,360.71
Your down payment$30,360.71
Closing costs + prepaids$9,438.27
Total buyer cash needed$39,798.98
Remaining funds due$39,798.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,749.00
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)$1,053.50
Prepaid interest, first (23 days)$410.77
Fees + prepaids$9,438.27
Your down payment is the seller’s equity. You take over the $144,539 balance, so the rest of the $174,900 price is paid at closing. A second mortgage can cover part of it. $39,798.98 is due at closing. Uses and sources reconcile at $184,338.27 each. Not a Closing Disclosure.