Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,250Cash toward the purchase price.
Closing costs + prepaids$10,808Not just lender fees.
Before credits & paid funds$191,059The complete starting cash picture.
Estimated remaining funds due at closing
$191,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,250.26
Your down payment$180,250.26
Closing costs + prepaids$10,808.48
Total buyer cash needed$191,058.74
Remaining funds due$191,058.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,098.75
Initial HOA (3 months)$95.01
Prepaid interest, first (27 days)$490.72
Fees + prepaids$10,808.48
Your down payment is the seller’s equity. You take over the $109,650 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $191,058.74 is due at closing. Uses and sources reconcile at $300,708.48 each. Not a Closing Disclosure.