Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$20,531Cash toward the purchase price.
Closing costs + prepaids$8,532Not just lender fees.
Before credits & paid funds$29,063The complete starting cash picture.
Estimated remaining funds due at closing
$29,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,530.68
Your down payment$20,530.68
Closing costs + prepaids$8,531.90
Total buyer cash needed$29,062.58
Remaining funds due$29,062.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,575.00
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)$78.50
Initial HOA (3 months)$438.00
Prepaid interest, first (20 days)$215.40
Fees + prepaids$8,531.90
Your down payment is the seller’s equity. You take over the $136,969 balance, so the rest of the $157,500 price is paid at closing. A second mortgage can cover part of it. $29,062.58 is due at closing. Uses and sources reconcile at $166,031.90 each. Not a Closing Disclosure.