Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$181,876Cash toward the purchase price.
Closing costs + prepaids$9,283Not just lender fees.
Before credits & paid funds$191,159The complete starting cash picture.
Estimated remaining funds due at closing
$191,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,875.92
Your down payment$181,875.92
Closing costs + prepaids$9,283.12
Total buyer cash needed$191,159.03
Remaining funds due$191,159.03
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)$1,207.50
Prepaid interest, first (1 days)$0.62
Fees + prepaids$9,283.12
Your down payment is the seller’s equity. You take over the $3,124 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $191,159.03 is due at closing. Uses and sources reconcile at $194,283.12 each. Not a Closing Disclosure.