Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,640Cash toward the purchase price.
Closing costs + prepaids$9,446Not just lender fees.
Before credits & paid funds$28,085The complete starting cash picture.
Estimated remaining funds due at closing
$28,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,639.57
Your down payment$18,639.57
Closing costs + prepaids$9,445.52
Total buyer cash needed$28,085.09
Remaining funds due$28,085.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,749.99
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)$118.75
Initial HOA (3 months)$735.00
Prepaid interest, first (23 days)$616.78
Fees + prepaids$9,445.52
Your down payment is the seller’s equity. You take over the $156,359 balance, so the rest of the $174,999 price is paid at closing. A second mortgage can cover part of it. $28,085.09 is due at closing. Uses and sources reconcile at $184,444.52 each. Not a Closing Disclosure.