Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,125Cash toward the purchase price.
Closing costs + prepaids$9,898Not just lender fees.
Before credits & paid funds$33,023The complete starting cash picture.
Estimated remaining funds due at closing
$33,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,124.84
Your down payment$23,124.84
Closing costs + prepaids$9,898.22
Total buyer cash needed$33,023.06
Remaining funds due$33,023.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,815.00
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)$79.75
Initial HOA (3 months)$810.00
Prepaid interest, first (30 days)$968.47
Fees + prepaids$9,898.22
Your down payment is the seller’s equity. You take over the $158,375 balance, so the rest of the $181,500 price is paid at closing. A second mortgage can cover part of it. $33,023.06 is due at closing. Uses and sources reconcile at $191,398.22 each. Not a Closing Disclosure.