Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$171,849Cash toward the purchase price.
Closing costs + prepaids$8,950Not just lender fees.
Before credits & paid funds$180,798The complete starting cash picture.
Estimated remaining funds due at closing
$180,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,848.77
Your down payment$171,848.77
Closing costs + prepaids$8,949.58
Total buyer cash needed$180,798.35
Remaining funds due$180,798.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,860.00
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)$787.00
Prepaid interest, first (30 days)$77.58
Fees + prepaids$8,949.58
Your down payment is the seller’s equity. You take over the $14,151 balance, so the rest of the $186,000 price is paid at closing. A second mortgage can cover part of it. $180,798.35 is due at closing. Uses and sources reconcile at $194,949.58 each. Not a Closing Disclosure.