Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,989Cash toward the purchase price.
Closing costs + prepaids$9,625Not just lender fees.
Before credits & paid funds$43,614The complete starting cash picture.
Estimated remaining funds due at closing
$43,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,988.57
Your down payment$33,988.57
Closing costs + prepaids$9,625.42
Total buyer cash needed$43,614.00
Remaining funds due$43,614.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$120.25
Initial HOA (3 months)$750.00
Prepaid interest, first (24 days)$680.17
Fees + prepaids$9,625.42
Your down payment is the seller’s equity. You take over the $151,011 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $43,614.00 is due at closing. Uses and sources reconcile at $194,625.42 each. Not a Closing Disclosure.