Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,420Cash toward the purchase price.
Closing costs + prepaids$8,370Not just lender fees.
Before credits & paid funds$44,790The complete starting cash picture.
Estimated remaining funds due at closing
$44,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,420.42
Your down payment$36,420.42
Closing costs + prepaids$8,369.86
Total buyer cash needed$44,790.27
Remaining funds due$44,790.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$81.75
Prepaid interest, first (26 days)$563.11
Fees + prepaids$8,369.86
Your down payment is the seller’s equity. You take over the $113,580 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $44,790.27 is due at closing. Uses and sources reconcile at $158,369.86 each. Not a Closing Disclosure.