Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,834Cash toward the purchase price.
Closing costs + prepaids$8,539Not just lender fees.
Before credits & paid funds$34,374The complete starting cash picture.
Estimated remaining funds due at closing
$34,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,834.27
Your down payment$25,834.27
Closing costs + prepaids$8,539.47
Total buyer cash needed$34,373.74
Remaining funds due$34,373.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,450.00
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)$446.25
Prepaid interest, first (30 days)$418.22
Fees + prepaids$8,539.47
Your down payment is the seller’s equity. You take over the $119,166 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $34,373.74 is due at closing. Uses and sources reconcile at $153,539.47 each. Not a Closing Disclosure.