Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$23,548Cash toward the purchase price.
Closing costs + prepaids$8,128Not just lender fees.
Before credits & paid funds$31,677The complete starting cash picture.
Estimated remaining funds due at closing
$31,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,548.40
Your down payment$23,548.40
Closing costs + prepaids$8,128.41
Total buyer cash needed$31,676.80
Remaining funds due$31,676.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,459.00
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)$372.00
Prepaid interest, first (5 days)$72.41
Fees + prepaids$8,128.41
Your down payment is the seller’s equity. You take over the $122,352 balance, so the rest of the $145,900 price is paid at closing. A second mortgage can cover part of it. $31,676.80 is due at closing. Uses and sources reconcile at $154,028.41 each. Not a Closing Disclosure.