Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,872Cash toward the purchase price.
Closing costs + prepaids$9,554Not just lender fees.
Before credits & paid funds$27,427The complete starting cash picture.
Estimated remaining funds due at closing
$27,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,872.42
Your down payment$17,872.42
Closing costs + prepaids$9,554.25
Total buyer cash needed$27,426.67
Remaining funds due$27,426.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,777.50
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)$307.00
Initial HOA (3 months)$573.00
Prepaid interest, first (24 days)$671.75
Fees + prepaids$9,554.25
Your down payment is the seller’s equity. You take over the $159,878 balance, so the rest of the $177,750 price is paid at closing. A second mortgage can cover part of it. $27,426.67 is due at closing. Uses and sources reconcile at $187,304.25 each. Not a Closing Disclosure.