Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$9,760Cash toward the purchase price.
Closing costs + prepaids$8,024Not just lender fees.
Before credits & paid funds$17,784The complete starting cash picture.
Estimated remaining funds due at closing
$17,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,760.04
Your down payment$9,760.04
Closing costs + prepaids$8,024.46
Total buyer cash needed$17,784.50
Remaining funds due$17,784.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,452.70
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)$123.00
Prepaid interest, first (21 days)$223.76
Fees + prepaids$8,024.46
Your down payment is the seller’s equity. You take over the $135,510 balance, so the rest of the $145,270 price is paid at closing. A second mortgage can cover part of it. $17,784.50 is due at closing. Uses and sources reconcile at $153,294.46 each. Not a Closing Disclosure.