Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,548Cash toward the purchase price.
Closing costs + prepaids$9,096Not just lender fees.
Before credits & paid funds$32,645The complete starting cash picture.
Estimated remaining funds due at closing
$32,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,548.40
Your down payment$23,548.40
Closing costs + prepaids$9,096.49
Total buyer cash needed$32,644.89
Remaining funds due$32,644.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,459.00
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)$1,021.50
Prepaid interest, first (27 days)$390.99
Fees + prepaids$9,096.49
Your down payment is the seller’s equity. You take over the $122,352 balance, so the rest of the $145,900 price is paid at closing. A second mortgage can cover part of it. $32,644.89 is due at closing. Uses and sources reconcile at $154,996.49 each. Not a Closing Disclosure.