Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$13,395Cash toward the purchase price.
Closing costs + prepaids$8,589Not just lender fees.
Before credits & paid funds$21,983The complete starting cash picture.
Estimated remaining funds due at closing
$21,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,394.52
Your down payment$13,394.52
Closing costs + prepaids$8,588.52
Total buyer cash needed$21,983.04
Remaining funds due$21,983.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,625.00
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)$195.00
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$105.52
Fees + prepaids$8,588.52
Your down payment is the seller’s equity. You take over the $149,105 balance, so the rest of the $162,500 price is paid at closing. A second mortgage can cover part of it. $21,983.04 is due at closing. Uses and sources reconcile at $171,088.52 each. Not a Closing Disclosure.