Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,372Cash toward the purchase price.
Closing costs + prepaids$8,601Not just lender fees.
Before credits & paid funds$30,972The complete starting cash picture.
Estimated remaining funds due at closing
$30,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,371.75
Your down payment$22,371.75
Closing costs + prepaids$8,600.57
Total buyer cash needed$30,972.32
Remaining funds due$30,972.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,881.00
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)$80.75
Prepaid interest, first (31 days)$413.82
Fees + prepaids$8,600.57
Your down payment is the seller’s equity. You take over the $165,728 balance, so the rest of the $188,100 price is paid at closing. A second mortgage can cover part of it. $30,972.32 is due at closing. Uses and sources reconcile at $196,700.57 each. Not a Closing Disclosure.