Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$4,880Cash toward the purchase price.
Closing costs + prepaids$9,207Not just lender fees.
Before credits & paid funds$14,087The complete starting cash picture.
Estimated remaining funds due at closing
$14,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,880.16
Your down payment$4,880.16
Closing costs + prepaids$9,207.01
Total buyer cash needed$14,087.17
Remaining funds due$14,087.17
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)$290.00
Prepaid interest, first (28 days)$892.01
Fees + prepaids$9,207.01
Your down payment is the seller’s equity. You take over the $175,120 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $14,087.17 is due at closing. Uses and sources reconcile at $189,207.01 each. Not a Closing Disclosure.