Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,783Cash toward the purchase price.
Closing costs + prepaids$9,054Not just lender fees.
Before credits & paid funds$19,837The complete starting cash picture.
Estimated remaining funds due at closing
$19,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,782.67
Your down payment$10,782.67
Closing costs + prepaids$9,054.02
Total buyer cash needed$19,836.69
Remaining funds due$19,836.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,690.00
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)$362.50
Prepaid interest, first (26 days)$776.52
Fees + prepaids$9,054.02
Your down payment is the seller’s equity. You take over the $158,217 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $19,836.69 is due at closing. Uses and sources reconcile at $178,054.02 each. Not a Closing Disclosure.