Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$158,682Cash toward the purchase price.
Closing costs + prepaids$9,419Not just lender fees.
Before credits & paid funds$168,101The complete starting cash picture.
Estimated remaining funds due at closing
$168,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,682.08
Your down payment$158,682.08
Closing costs + prepaids$9,418.57
Total buyer cash needed$168,100.65
Remaining funds due$168,100.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$351.75
Initial HOA (3 months)$975.00
Prepaid interest, first (23 days)$76.82
Fees + prepaids$9,418.57
Your down payment is the seller’s equity. You take over the $20,318 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $168,100.65 is due at closing. Uses and sources reconcile at $188,418.57 each. Not a Closing Disclosure.