Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,130Cash toward the purchase price.
Closing costs + prepaids$8,635Not just lender fees.
Before credits & paid funds$43,765The complete starting cash picture.
Estimated remaining funds due at closing
$43,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,129.84
Your down payment$35,129.84
Closing costs + prepaids$8,634.73
Total buyer cash needed$43,764.57
Remaining funds due$43,764.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.95
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)$99.25
Initial HOA (3 months)$690.00
Prepaid interest, first (2 days)$20.53
Fees + prepaids$8,634.73
Your down payment is the seller’s equity. You take over the $124,865 balance, so the rest of the $159,995 price is paid at closing. A second mortgage can cover part of it. $43,764.57 is due at closing. Uses and sources reconcile at $168,629.73 each. Not a Closing Disclosure.