Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$145,413Cash toward the purchase price.
Closing costs + prepaids$8,382Not just lender fees.
Before credits & paid funds$153,795The complete starting cash picture.
Estimated remaining funds due at closing
$153,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,412.98
Your down payment$145,412.98
Closing costs + prepaids$8,382.14
Total buyer cash needed$153,795.12
Remaining funds due$153,795.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$433.25
Prepaid interest, first (5 days)$24.89
Fees + prepaids$8,382.14
Your down payment is the seller’s equity. You take over the $24,487 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $153,795.12 is due at closing. Uses and sources reconcile at $178,282.14 each. Not a Closing Disclosure.