Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$7,837Cash toward the purchase price.
Closing costs + prepaids$9,645Not just lender fees.
Before credits & paid funds$17,482The complete starting cash picture.
Estimated remaining funds due at closing
$17,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,836.56
Your down payment$7,836.56
Closing costs + prepaids$9,645.40
Total buyer cash needed$17,481.95
Remaining funds due$17,481.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$174.00
Initial HOA (3 months)$1,728.00
Prepaid interest, first (6 days)$69.40
Fees + prepaids$9,645.40
Your down payment is the seller’s equity. You take over the $137,063 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $17,481.95 is due at closing. Uses and sources reconcile at $154,545.40 each. Not a Closing Disclosure.