Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,568Cash toward the purchase price.
Closing costs + prepaids$9,421Not just lender fees.
Before credits & paid funds$31,990The complete starting cash picture.
Estimated remaining funds due at closing
$31,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,568.48
Your down payment$22,568.48
Closing costs + prepaids$9,421.37
Total buyer cash needed$31,989.84
Remaining funds due$31,989.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$673.00
Prepaid interest, first (31 days)$723.37
Fees + prepaids$9,421.37
Your down payment is the seller’s equity. You take over the $157,432 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $31,989.84 is due at closing. Uses and sources reconcile at $189,421.37 each. Not a Closing Disclosure.