Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,476Cash toward the purchase price.
Closing costs + prepaids$9,347Not just lender fees.
Before credits & paid funds$36,822The complete starting cash picture.
Estimated remaining funds due at closing
$36,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,475.52
Your down payment$27,475.52
Closing costs + prepaids$9,346.83
Total buyer cash needed$36,822.36
Remaining funds due$36,822.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$536.00
Prepaid interest, first (25 days)$735.83
Fees + prepaids$9,346.83
Your down payment is the seller’s equity. You take over the $157,524 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $36,822.36 is due at closing. Uses and sources reconcile at $194,346.83 each. Not a Closing Disclosure.