Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$11,442Cash toward the purchase price.
Closing costs + prepaids$9,637Not just lender fees.
Before credits & paid funds$21,079The complete starting cash picture.
Estimated remaining funds due at closing
$21,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,441.82
Your down payment$11,441.82
Closing costs + prepaids$9,636.84
Total buyer cash needed$21,078.66
Remaining funds due$21,078.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,675.00
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)$427.25
Initial HOA (3 months)$1,167.00
Prepaid interest, first (5 days)$142.59
Fees + prepaids$9,636.84
Your down payment is the seller’s equity. You take over the $156,058 balance, so the rest of the $167,500 price is paid at closing. A second mortgage can cover part of it. $21,078.66 is due at closing. Uses and sources reconcile at $177,136.84 each. Not a Closing Disclosure.