Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,903Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$35,270The complete starting cash picture.
Estimated remaining funds due at closing
$35,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,902.58
Your down payment$23,902.58
Closing costs + prepaids$11,367.81
Total buyer cash needed$35,270.38
Remaining funds due$35,270.38
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)$835.75
Initial HOA (3 months)$2,115.00
Prepaid interest, first (25 days)$342.06
Fees + prepaids$11,367.81
Your down payment is the seller’s equity. You take over the $161,097 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $35,270.38 is due at closing. Uses and sources reconcile at $196,367.81 each. Not a Closing Disclosure.