Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$129,083Cash toward the purchase price.
Closing costs + prepaids$10,013Not just lender fees.
Before credits & paid funds$139,096The complete starting cash picture.
Estimated remaining funds due at closing
$139,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,082.79
Your down payment$129,082.79
Closing costs + prepaids$10,013.12
Total buyer cash needed$139,095.91
Remaining funds due$139,095.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$210.00
Initial HOA (3 months)$1,782.00
Prepaid interest, first (6 days)$46.12
Fees + prepaids$10,013.12
Your down payment is the seller’s equity. You take over the $45,917 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $139,095.91 is due at closing. Uses and sources reconcile at $185,013.12 each. Not a Closing Disclosure.