Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$19,564Cash toward the purchase price.
Closing costs + prepaids$9,682Not just lender fees.
Before credits & paid funds$29,246The complete starting cash picture.
Estimated remaining funds due at closing
$29,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,563.63
Your down payment$19,563.63
Closing costs + prepaids$9,682.11
Total buyer cash needed$29,245.74
Remaining funds due$29,245.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,600.00
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)$294.00
Initial HOA (3 months)$1,266.00
Prepaid interest, first (27 days)$297.11
Fees + prepaids$9,682.11
Your down payment is the seller’s equity. You take over the $140,436 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $29,245.74 is due at closing. Uses and sources reconcile at $169,682.11 each. Not a Closing Disclosure.