Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$119,651Cash toward the purchase price.
Closing costs + prepaids$9,254Not just lender fees.
Before credits & paid funds$128,906The complete starting cash picture.
Estimated remaining funds due at closing
$128,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,651.44
Your down payment$119,651.44
Closing costs + prepaids$9,254.20
Total buyer cash needed$128,905.64
Remaining funds due$128,905.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,749.00
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)$366.00
Initial HOA (3 months)$780.00
Prepaid interest, first (26 days)$134.20
Fees + prepaids$9,254.20
Your down payment is the seller’s equity. You take over the $55,249 balance, so the rest of the $174,900 price is paid at closing. A second mortgage can cover part of it. $128,905.64 is due at closing. Uses and sources reconcile at $184,154.20 each. Not a Closing Disclosure.