Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,851Cash toward the purchase price.
Closing costs + prepaids$10,072Not just lender fees.
Before credits & paid funds$155,924The complete starting cash picture.
Estimated remaining funds due at closing
$155,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,851.38
Your down payment$145,851.38
Closing costs + prepaids$10,072.46
Total buyer cash needed$155,923.85
Remaining funds due$155,923.85
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)$696.50
Initial HOA (3 months)$1,326.00
Prepaid interest, first (23 days)$75.96
Fees + prepaids$10,072.46
Your down payment is the seller’s equity. You take over the $29,049 balance, so the rest of the $174,900 price is paid at closing. A second mortgage can cover part of it. $155,923.85 is due at closing. Uses and sources reconcile at $184,972.46 each. Not a Closing Disclosure.