Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$13,968Cash toward the purchase price.
Closing costs + prepaids$8,536Not just lender fees.
Before credits & paid funds$22,505The complete starting cash picture.
Estimated remaining funds due at closing
$22,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,968.45
Your down payment$13,968.45
Closing costs + prepaids$8,536.40
Total buyer cash needed$22,504.85
Remaining funds due$22,504.85
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)$446.25
Prepaid interest, first (5 days)$115.15
Fees + prepaids$8,536.40
Your down payment is the seller’s equity. You take over the $161,032 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $22,504.85 is due at closing. Uses and sources reconcile at $183,536.40 each. Not a Closing Disclosure.