Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,296Cash toward the purchase price.
Closing costs + prepaids$8,386Not just lender fees.
Before credits & paid funds$39,682The complete starting cash picture.
Estimated remaining funds due at closing
$39,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,295.75
Your down payment$31,295.75
Closing costs + prepaids$8,386.48
Total buyer cash needed$39,682.23
Remaining funds due$39,682.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$261.25
Prepaid interest, first (23 days)$250.23
Fees + prepaids$8,386.48
Your down payment is the seller’s equity. You take over the $133,704 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $39,682.23 is due at closing. Uses and sources reconcile at $173,386.48 each. Not a Closing Disclosure.