Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$104,179Cash toward the purchase price.
Closing costs + prepaids$9,773Not just lender fees.
Before credits & paid funds$113,953The complete starting cash picture.
Estimated remaining funds due at closing
$113,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,179.34
Your down payment$104,179.34
Closing costs + prepaids$9,773.37
Total buyer cash needed$113,952.70
Remaining funds due$113,952.70
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)$256.75
Initial HOA (3 months)$1,161.00
Prepaid interest, first (23 days)$331.62
Fees + prepaids$9,773.37
Your down payment is the seller’s equity. You take over the $75,721 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $113,952.70 is due at closing. Uses and sources reconcile at $189,673.37 each. Not a Closing Disclosure.