Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$133,914Cash toward the purchase price.
Closing costs + prepaids$10,583Not just lender fees.
Before credits & paid funds$144,497The complete starting cash picture.
Estimated remaining funds due at closing
$144,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,913.89
Your down payment$133,913.89
Closing costs + prepaids$10,582.94
Total buyer cash needed$144,496.83
Remaining funds due$144,496.83
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)$424.75
Initial HOA (3 months)$1,983.00
Prepaid interest, first (24 days)$151.19
Fees + prepaids$10,582.94
Your down payment is the seller’s equity. You take over the $45,986 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $144,496.83 is due at closing. Uses and sources reconcile at $190,482.94 each. Not a Closing Disclosure.