Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,487Cash toward the purchase price.
Closing costs + prepaids$8,830Not just lender fees.
Before credits & paid funds$43,317The complete starting cash picture.
Estimated remaining funds due at closing
$43,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,487.03
Your down payment$34,487.03
Closing costs + prepaids$8,829.51
Total buyer cash needed$43,316.55
Remaining funds due$43,316.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,680.00
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)$135.25
Initial HOA (3 months)$423.00
Prepaid interest, first (31 days)$366.26
Fees + prepaids$8,829.51
Your down payment is the seller’s equity. You take over the $133,513 balance, so the rest of the $168,000 price is paid at closing. A second mortgage can cover part of it. $43,316.55 is due at closing. Uses and sources reconcile at $176,829.51 each. Not a Closing Disclosure.