Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,720Cash toward the purchase price.
Closing costs + prepaids$8,708Not just lender fees.
Before credits & paid funds$155,428The complete starting cash picture.
Estimated remaining funds due at closing
$155,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,719.85
Your down payment$146,719.85
Closing costs + prepaids$8,708.15
Total buyer cash needed$155,428.00
Remaining funds due$155,428.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$143.50
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$4.65
Fees + prepaids$8,708.15
Your down payment is the seller’s equity. You take over the $28,280 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $155,428.00 is due at closing. Uses and sources reconcile at $183,708.15 each. Not a Closing Disclosure.