Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$175,477Cash toward the purchase price.
Closing costs + prepaids$9,779Not just lender fees.
Before credits & paid funds$185,256The complete starting cash picture.
Estimated remaining funds due at closing
$185,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,476.52
Your down payment$175,476.52
Closing costs + prepaids$9,779.36
Total buyer cash needed$185,255.88
Remaining funds due$185,255.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,039.99
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)$244.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (6 days)$24.62
Fees + prepaids$9,779.36
Your down payment is the seller’s equity. You take over the $28,522 balance, so the rest of the $203,999 price is paid at closing. A second mortgage can cover part of it. $185,255.88 is due at closing. Uses and sources reconcile at $213,778.36 each. Not a Closing Disclosure.