Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,552Cash toward the purchase price.
Closing costs + prepaids$8,558Not just lender fees.
Before credits & paid funds$24,110The complete starting cash picture.
Estimated remaining funds due at closing
$24,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,551.71
Your down payment$15,551.71
Closing costs + prepaids$8,558.00
Total buyer cash needed$24,109.72
Remaining funds due$24,109.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$221.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$23.50
Fees + prepaids$8,558.00
Your down payment is the seller’s equity. You take over the $149,448 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $24,109.72 is due at closing. Uses and sources reconcile at $173,558.00 each. Not a Closing Disclosure.