Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,760Cash toward the purchase price.
Closing costs + prepaids$8,658Not just lender fees.
Before credits & paid funds$181,418The complete starting cash picture.
Estimated remaining funds due at closing
$181,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,760.14
Your down payment$172,760.14
Closing costs + prepaids$8,658.33
Total buyer cash needed$181,418.47
Remaining funds due$181,418.47
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)$597.50
Prepaid interest, first (27 days)$35.83
Fees + prepaids$8,658.33
Your down payment is the seller’s equity. You take over the $7,240 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $181,418.47 is due at closing. Uses and sources reconcile at $188,658.33 each. Not a Closing Disclosure.