Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,339Cash toward the purchase price.
Closing costs + prepaids$9,499Not just lender fees.
Before credits & paid funds$47,838The complete starting cash picture.
Estimated remaining funds due at closing
$47,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,339.06
Your down payment$38,339.06
Closing costs + prepaids$9,498.76
Total buyer cash needed$47,837.81
Remaining funds due$47,837.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$744.25
Initial HOA (3 months)$105.00
Prepaid interest, first (24 days)$625.51
Fees + prepaids$9,498.76
Your down payment is the seller’s equity. You take over the $141,561 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $47,837.81 is due at closing. Uses and sources reconcile at $189,398.76 each. Not a Closing Disclosure.