Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,095Cash toward the purchase price.
Closing costs + prepaids$8,454Not just lender fees.
Before credits & paid funds$109,550The complete starting cash picture.
Estimated remaining funds due at closing
$109,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,095.43
Your down payment$101,095.43
Closing costs + prepaids$8,454.37
Total buyer cash needed$109,549.80
Remaining funds due$109,549.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$161.50
Initial HOA (3 months)$11.01
Prepaid interest, first (26 days)$256.86
Fees + prepaids$8,454.37
Your down payment is the seller’s equity. You take over the $78,905 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $109,549.80 is due at closing. Uses and sources reconcile at $188,454.37 each. Not a Closing Disclosure.