Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$106,745Cash toward the purchase price.
Closing costs + prepaids$10,947Not just lender fees.
Before credits & paid funds$117,692The complete starting cash picture.
Estimated remaining funds due at closing
$117,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,745.46
Your down payment$106,745.46
Closing costs + prepaids$10,946.80
Total buyer cash needed$117,692.26
Remaining funds due$117,692.26
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)$278.00
Initial HOA (3 months)$2,505.00
Prepaid interest, first (26 days)$138.80
Fees + prepaids$10,946.80
Your down payment is the seller’s equity. You take over the $73,255 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $117,692.26 is due at closing. Uses and sources reconcile at $190,946.80 each. Not a Closing Disclosure.