Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$108,162Cash toward the purchase price.
Closing costs + prepaids$9,043Not just lender fees.
Before credits & paid funds$117,205The complete starting cash picture.
Estimated remaining funds due at closing
$117,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,161.87
Your down payment$108,161.87
Closing costs + prepaids$9,043.34
Total buyer cash needed$117,205.21
Remaining funds due$117,205.21
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)$447.50
Initial HOA (3 months)$354.00
Prepaid interest, first (24 days)$226.84
Fees + prepaids$9,043.34
Your down payment is the seller’s equity. You take over the $70,838 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $117,205.21 is due at closing. Uses and sources reconcile at $188,043.34 each. Not a Closing Disclosure.