Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,091Cash toward the purchase price.
Closing costs + prepaids$8,390Not just lender fees.
Before credits & paid funds$33,481The complete starting cash picture.
Estimated remaining funds due at closing
$33,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,091.08
Your down payment$25,091.08
Closing costs + prepaids$8,389.78
Total buyer cash needed$33,480.86
Remaining funds due$33,480.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,690.00
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)$422.50
Prepaid interest, first (2 days)$52.28
Fees + prepaids$8,389.78
Your down payment is the seller’s equity. You take over the $143,909 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $33,480.86 is due at closing. Uses and sources reconcile at $177,389.78 each. Not a Closing Disclosure.