Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$10,706Cash toward the purchase price.
Closing costs + prepaids$9,262Not just lender fees.
Before credits & paid funds$19,968The complete starting cash picture.
Estimated remaining funds due at closing
$19,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,706.10
Your down payment$10,706.10
Closing costs + prepaids$9,261.67
Total buyer cash needed$19,967.77
Remaining funds due$19,967.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,675.00
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)$569.50
Initial HOA (3 months)$187.50
Prepaid interest, first (23 days)$604.67
Fees + prepaids$9,261.67
Your down payment is the seller’s equity. You take over the $156,794 balance, so the rest of the $167,500 price is paid at closing. A second mortgage can cover part of it. $19,967.77 is due at closing. Uses and sources reconcile at $176,761.67 each. Not a Closing Disclosure.