Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,785Cash toward the purchase price.
Closing costs + prepaids$8,479Not just lender fees.
Before credits & paid funds$182,264The complete starting cash picture.
Estimated remaining funds due at closing
$182,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,784.59
Your down payment$173,784.59
Closing costs + prepaids$8,479.01
Total buyer cash needed$182,263.60
Remaining funds due$182,263.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$453.00
Prepaid interest, first (2 days)$1.01
Fees + prepaids$8,479.01
Your down payment is the seller’s equity. You take over the $6,215 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $182,263.60 is due at closing. Uses and sources reconcile at $188,479.01 each. Not a Closing Disclosure.