Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,549Cash toward the purchase price.
Closing costs + prepaids$9,317Not just lender fees.
Before credits & paid funds$27,866The complete starting cash picture.
Estimated remaining funds due at closing
$27,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,548.86
Your down payment$18,548.86
Closing costs + prepaids$9,317.01
Total buyer cash needed$27,865.87
Remaining funds due$27,865.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,680.00
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)$528.75
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$808.26
Fees + prepaids$9,317.01
Your down payment is the seller’s equity. You take over the $149,451 balance, so the rest of the $168,000 price is paid at closing. A second mortgage can cover part of it. $27,865.87 is due at closing. Uses and sources reconcile at $177,317.01 each. Not a Closing Disclosure.