Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$167,445Cash toward the purchase price.
Closing costs + prepaids$8,542Not just lender fees.
Before credits & paid funds$175,986The complete starting cash picture.
Estimated remaining funds due at closing
$175,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,444.69
Your down payment$167,444.69
Closing costs + prepaids$8,541.63
Total buyer cash needed$175,986.33
Remaining funds due$175,986.33
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)$480.50
Prepaid interest, first (26 days)$36.13
Fees + prepaids$8,541.63
Your down payment is the seller’s equity. You take over the $12,555 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $175,986.33 is due at closing. Uses and sources reconcile at $188,541.63 each. Not a Closing Disclosure.