Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,338Cash toward the purchase price.
Closing costs + prepaids$8,391Not just lender fees.
Before credits & paid funds$153,729The complete starting cash picture.
Estimated remaining funds due at closing
$153,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,338.11
Your down payment$145,338.11
Closing costs + prepaids$8,390.70
Total buyer cash needed$153,728.81
Remaining funds due$153,728.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$225.50
Initial HOA (3 months)$42.00
Prepaid interest, first (28 days)$108.20
Fees + prepaids$8,390.70
Your down payment is the seller’s equity. You take over the $33,662 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $153,728.81 is due at closing. Uses and sources reconcile at $187,390.70 each. Not a Closing Disclosure.