Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,072Cash toward the purchase price.
Closing costs + prepaids$8,615Not just lender fees.
Before credits & paid funds$37,687The complete starting cash picture.
Estimated remaining funds due at closing
$37,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,072.00
Your down payment$29,072.00
Closing costs + prepaids$8,614.91
Total buyer cash needed$37,686.91
Remaining funds due$37,686.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,450.00
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)$495.00
Initial HOA (3 months)$23.76
Prepaid interest, first (26 days)$421.15
Fees + prepaids$8,614.91
Your down payment is the seller’s equity. You take over the $115,928 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $37,686.91 is due at closing. Uses and sources reconcile at $153,614.91 each. Not a Closing Disclosure.