Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$9,359Cash toward the purchase price.
Closing costs + prepaids$9,404Not just lender fees.
Before credits & paid funds$18,764The complete starting cash picture.
Estimated remaining funds due at closing
$18,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,359.27
Your down payment$9,359.27
Closing costs + prepaids$9,404.29
Total buyer cash needed$18,763.56
Remaining funds due$18,763.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$492.75
Prepaid interest, first (30 days)$896.54
Fees + prepaids$9,404.29
Your down payment is the seller’s equity. You take over the $169,641 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $18,763.56 is due at closing. Uses and sources reconcile at $188,404.29 each. Not a Closing Disclosure.