Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$173,795Cash toward the purchase price.
Closing costs + prepaids$10,043Not just lender fees.
Before credits & paid funds$183,838The complete starting cash picture.
Estimated remaining funds due at closing
$183,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,794.50
Your down payment$173,794.50
Closing costs + prepaids$10,043.22
Total buyer cash needed$183,837.72
Remaining funds due$183,837.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$387.50
Initial HOA (3 months)$876.00
Prepaid interest, first (24 days)$205.72
Fees + prepaids$10,043.22
Your down payment is the seller’s equity. You take over the $61,105 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $183,837.72 is due at closing. Uses and sources reconcile at $244,943.22 each. Not a Closing Disclosure.