Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$179,354Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$189,515The complete starting cash picture.
Estimated remaining funds due at closing
$189,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,353.94
Your down payment$179,353.94
Closing costs + prepaids$10,160.63
Total buyer cash needed$189,514.57
Remaining funds due$189,514.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,180.00
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)$441.25
Initial HOA (3 months)$1,305.00
Prepaid interest, first (2 days)$9.38
Fees + prepaids$10,160.63
Your down payment is the seller’s equity. You take over the $38,646 balance, so the rest of the $218,000 price is paid at closing. A second mortgage can cover part of it. $189,514.57 is due at closing. Uses and sources reconcile at $228,160.63 each. Not a Closing Disclosure.