Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$16,993Cash toward the purchase price.
Closing costs + prepaids$8,549Not just lender fees.
Before credits & paid funds$25,542The complete starting cash picture.
Estimated remaining funds due at closing
$25,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,993.14
Your down payment$16,993.14
Closing costs + prepaids$8,549.13
Total buyer cash needed$25,542.27
Remaining funds due$25,542.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,730.00
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)$549.25
Prepaid interest, first (2 days)$44.88
Fees + prepaids$8,549.13
Your down payment is the seller’s equity. You take over the $156,007 balance, so the rest of the $173,000 price is paid at closing. A second mortgage can cover part of it. $25,542.27 is due at closing. Uses and sources reconcile at $181,549.13 each. Not a Closing Disclosure.