Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$15,589Cash toward the purchase price.
Closing costs + prepaids$9,184Not just lender fees.
Before credits & paid funds$24,773The complete starting cash picture.
Estimated remaining funds due at closing
$24,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,589.38
Your down payment$15,589.38
Closing costs + prepaids$9,183.69
Total buyer cash needed$24,773.07
Remaining funds due$24,773.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,795.00
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)$348.00
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$785.69
Fees + prepaids$9,183.69
Your down payment is the seller’s equity. You take over the $163,911 balance, so the rest of the $179,500 price is paid at closing. A second mortgage can cover part of it. $24,773.07 is due at closing. Uses and sources reconcile at $188,683.69 each. Not a Closing Disclosure.