Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,072Cash toward the purchase price.
Closing costs + prepaids$8,704Not just lender fees.
Before credits & paid funds$24,776The complete starting cash picture.
Estimated remaining funds due at closing
$24,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,071.71
Your down payment$16,071.71
Closing costs + prepaids$8,703.89
Total buyer cash needed$24,775.60
Remaining funds due$24,775.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,520.00
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)$261.75
Prepaid interest, first (24 days)$697.14
Fees + prepaids$8,703.89
Your down payment is the seller’s equity. You take over the $135,928 balance, so the rest of the $152,000 price is paid at closing. A second mortgage can cover part of it. $24,775.60 is due at closing. Uses and sources reconcile at $160,703.89 each. Not a Closing Disclosure.