Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,295Cash toward the purchase price.
Closing costs + prepaids$9,151Not just lender fees.
Before credits & paid funds$34,446The complete starting cash picture.
Estimated remaining funds due at closing
$34,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,294.91
Your down payment$25,294.91
Closing costs + prepaids$9,151.06
Total buyer cash needed$34,445.96
Remaining funds due$34,445.96
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)$263.25
Initial HOA (3 months)$510.00
Prepaid interest, first (23 days)$402.81
Fees + prepaids$9,151.06
Your down payment is the seller’s equity. You take over the $149,705 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $34,445.96 is due at closing. Uses and sources reconcile at $184,151.06 each. Not a Closing Disclosure.