Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,068Cash toward the purchase price.
Closing costs + prepaids$9,027Not just lender fees.
Before credits & paid funds$30,095The complete starting cash picture.
Estimated remaining funds due at closing
$30,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,067.75
Your down payment$21,067.75
Closing costs + prepaids$9,027.21
Total buyer cash needed$30,094.96
Remaining funds due$30,094.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,849.00
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)$82.25
Prepaid interest, first (28 days)$870.96
Fees + prepaids$9,027.21
Your down payment is the seller’s equity. You take over the $163,832 balance, so the rest of the $184,900 price is paid at closing. A second mortgage can cover part of it. $30,094.96 is due at closing. Uses and sources reconcile at $193,927.21 each. Not a Closing Disclosure.