Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,207Cash toward the purchase price.
Closing costs + prepaids$8,960Not just lender fees.
Before credits & paid funds$28,168The complete starting cash picture.
Estimated remaining funds due at closing
$28,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,207.41
Your down payment$19,207.41
Closing costs + prepaids$8,960.14
Total buyer cash needed$28,167.55
Remaining funds due$28,167.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$166.75
Prepaid interest, first (28 days)$778.39
Fees + prepaids$8,960.14
Your down payment is the seller’s equity. You take over the $159,793 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $28,167.55 is due at closing. Uses and sources reconcile at $187,960.14 each. Not a Closing Disclosure.