Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,717Cash toward the purchase price.
Closing costs + prepaids$9,146Not just lender fees.
Before credits & paid funds$53,863The complete starting cash picture.
Estimated remaining funds due at closing
$53,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,717.00
Your down payment$44,717.00
Closing costs + prepaids$9,145.77
Total buyer cash needed$53,862.77
Remaining funds due$53,862.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$169.00
Initial HOA (3 months)$375.00
Prepaid interest, first (24 days)$577.77
Fees + prepaids$9,145.77
Your down payment is the seller’s equity. You take over the $135,183 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $53,862.77 is due at closing. Uses and sources reconcile at $189,045.77 each. Not a Closing Disclosure.