Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,895Cash toward the purchase price.
Closing costs + prepaids$8,898Not just lender fees.
Before credits & paid funds$24,792The complete starting cash picture.
Estimated remaining funds due at closing
$24,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,894.52
Your down payment$15,894.52
Closing costs + prepaids$8,897.95
Total buyer cash needed$24,792.47
Remaining funds due$24,792.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$221.50
Initial HOA (3 months)$438.00
Prepaid interest, first (31 days)$363.45
Fees + prepaids$8,897.95
Your down payment is the seller’s equity. You take over the $149,105 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $24,792.47 is due at closing. Uses and sources reconcile at $173,897.95 each. Not a Closing Disclosure.