Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,450Cash toward the purchase price.
Closing costs + prepaids$7,811Not just lender fees.
Before credits & paid funds$17,261The complete starting cash picture.
Estimated remaining funds due at closing
$17,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,449.95
Your down payment$9,449.95
Closing costs + prepaids$7,811.38
Total buyer cash needed$17,261.33
Remaining funds due$17,261.33
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 (1 days)$10.68
Fees + prepaids$7,811.38
Your down payment is the seller’s equity. You take over the $135,820 balance, so the rest of the $145,270 price is paid at closing. A second mortgage can cover part of it. $17,261.33 is due at closing. Uses and sources reconcile at $153,081.38 each. Not a Closing Disclosure.