Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$47,119Cash toward the purchase price.
Closing costs + prepaids$9,021Not just lender fees.
Before credits & paid funds$56,140The complete starting cash picture.
Estimated remaining funds due at closing
$56,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,119.07
Your down payment$47,119.07
Closing costs + prepaids$9,020.66
Total buyer cash needed$56,139.73
Remaining funds due$56,139.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$287.75
Initial HOA (3 months)$636.00
Prepaid interest, first (2 days)$21.91
Fees + prepaids$9,020.66
Your down payment is the seller’s equity. You take over the $137,881 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $56,139.73 is due at closing. Uses and sources reconcile at $194,020.66 each. Not a Closing Disclosure.