Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$23,282Cash toward the purchase price.
Closing costs + prepaids$9,481Not just lender fees.
Before credits & paid funds$32,763The complete starting cash picture.
Estimated remaining funds due at closing
$32,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,281.64
Your down payment$23,281.64
Closing costs + prepaids$9,481.02
Total buyer cash needed$32,762.65
Remaining funds due$32,762.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$127.75
Initial HOA (3 months)$600.00
Prepaid interest, first (22 days)$638.27
Fees + prepaids$9,481.02
Your down payment is the seller’s equity. You take over the $165,718 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $32,762.65 is due at closing. Uses and sources reconcile at $198,481.02 each. Not a Closing Disclosure.