Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$28,687Cash toward the purchase price.
Closing costs + prepaids$8,716Not just lender fees.
Before credits & paid funds$37,403The complete starting cash picture.
Estimated remaining funds due at closing
$37,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,686.97
Your down payment$28,686.97
Closing costs + prepaids$8,715.66
Total buyer cash needed$37,402.63
Remaining funds due$37,402.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,820.00
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)$116.00
Prepaid interest, first (19 days)$554.66
Fees + prepaids$8,715.66
Your down payment is the seller’s equity. You take over the $153,313 balance, so the rest of the $182,000 price is paid at closing. A second mortgage can cover part of it. $37,402.63 is due at closing. Uses and sources reconcile at $190,715.66 each. Not a Closing Disclosure.