Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,836Cash toward the purchase price.
Closing costs + prepaids$8,960Not just lender fees.
Before credits & paid funds$34,797The complete starting cash picture.
Estimated remaining funds due at closing
$34,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,836.48
Your down payment$25,836.48
Closing costs + prepaids$8,960.08
Total buyer cash needed$34,796.56
Remaining funds due$34,796.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,888.00
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)$83.25
Prepaid interest, first (26 days)$763.83
Fees + prepaids$8,960.08
Your down payment is the seller’s equity. You take over the $162,964 balance, so the rest of the $188,800 price is paid at closing. A second mortgage can cover part of it. $34,796.56 is due at closing. Uses and sources reconcile at $197,760.08 each. Not a Closing Disclosure.