Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$18,255Cash toward the purchase price.
Closing costs + prepaids$7,673Not just lender fees.
Before credits & paid funds$25,928The complete starting cash picture.
Estimated remaining funds due at closing
$25,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,255.00
Your down payment$18,255.00
Closing costs + prepaids$7,672.85
Total buyer cash needed$25,927.85
Remaining funds due$25,927.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$945.00
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)$100.00
Prepaid interest, first (29 days)$402.85
Fees + prepaids$7,672.85
Your down payment is the seller’s equity. You take over the $76,245 balance, so the rest of the $94,500 price is paid at closing. A second mortgage can cover part of it. $25,927.85 is due at closing. Uses and sources reconcile at $102,172.85 each. Not a Closing Disclosure.