Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,638Cash toward the purchase price.
Closing costs + prepaids$10,293Not just lender fees.
Before credits & paid funds$188,931The complete starting cash picture.
Estimated remaining funds due at closing
$188,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,637.91
Your down payment$178,637.91
Closing costs + prepaids$10,293.48
Total buyer cash needed$188,931.38
Remaining funds due$188,931.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$422.50
Initial HOA (3 months)$1,194.00
Prepaid interest, first (24 days)$151.98
Fees + prepaids$10,293.48
Your down payment is the seller’s equity. You take over the $51,362 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $188,931.38 is due at closing. Uses and sources reconcile at $240,293.48 each. Not a Closing Disclosure.