Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$31,479Cash toward the purchase price.
Closing costs + prepaids$8,271Not just lender fees.
Before credits & paid funds$39,750The complete starting cash picture.
Estimated remaining funds due at closing
$39,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,478.79
Your down payment$31,478.79
Closing costs + prepaids$8,270.71
Total buyer cash needed$39,749.50
Remaining funds due$39,749.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,590.00
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)$190.75
Prepaid interest, first (12 days)$264.96
Fees + prepaids$8,270.71
Your down payment is the seller’s equity. You take over the $127,521 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $39,749.50 is due at closing. Uses and sources reconcile at $167,270.71 each. Not a Closing Disclosure.