Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$178,721Cash toward the purchase price.
Closing costs + prepaids$10,505Not just lender fees.
Before credits & paid funds$189,226The complete starting cash picture.
Estimated remaining funds due at closing
$189,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,720.70
Your down payment$178,720.70
Closing costs + prepaids$10,504.99
Total buyer cash needed$189,225.69
Remaining funds due$189,225.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,689.00
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)$352.50
Initial HOA (3 months)$993.00
Prepaid interest, first (27 days)$245.49
Fees + prepaids$10,504.99
Your down payment is the seller’s equity. You take over the $90,179 balance, so the rest of the $268,900 price is paid at closing. A second mortgage can cover part of it. $189,225.69 is due at closing. Uses and sources reconcile at $279,404.99 each. Not a Closing Disclosure.