Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$176,374Cash toward the purchase price.
Closing costs + prepaids$11,348Not just lender fees.
Before credits & paid funds$187,722The complete starting cash picture.
Estimated remaining funds due at closing
$187,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,373.67
Your down payment$176,373.67
Closing costs + prepaids$11,348.41
Total buyer cash needed$187,722.07
Remaining funds due$187,722.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,579.00
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)$558.75
Initial HOA (3 months)$1,743.00
Prepaid interest, first (28 days)$242.66
Fees + prepaids$11,348.41
Your down payment is the seller’s equity. You take over the $81,526 balance, so the rest of the $257,900 price is paid at closing. A second mortgage can cover part of it. $187,722.07 is due at closing. Uses and sources reconcile at $269,248.41 each. Not a Closing Disclosure.