Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,235Cash toward the purchase price.
Closing costs + prepaids$8,995Not just lender fees.
Before credits & paid funds$26,230The complete starting cash picture.
Estimated remaining funds due at closing
$26,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,235.07
Your down payment$17,235.07
Closing costs + prepaids$8,994.96
Total buyer cash needed$26,230.03
Remaining funds due$26,230.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$278.25
Prepaid interest, first (26 days)$741.71
Fees + prepaids$8,994.96
Your down payment is the seller’s equity. You take over the $157,765 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $26,230.03 is due at closing. Uses and sources reconcile at $183,994.96 each. Not a Closing Disclosure.