Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$75,112Cash toward the purchase price.
Closing costs + prepaids$10,283Not just lender fees.
Before credits & paid funds$85,395The complete starting cash picture.
Estimated remaining funds due at closing
$85,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,111.55
Your down payment$75,111.55
Closing costs + prepaids$10,283.22
Total buyer cash needed$85,394.77
Remaining funds due$85,394.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$565.00
Initial HOA (3 months)$1,377.00
Prepaid interest, first (28 days)$316.22
Fees + prepaids$10,283.22
Your down payment is the seller’s equity. You take over the $104,888 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $85,394.77 is due at closing. Uses and sources reconcile at $190,283.22 each. Not a Closing Disclosure.