Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,885Cash toward the purchase price.
Closing costs + prepaids$8,206Not just lender fees.
Before credits & paid funds$156,091The complete starting cash picture.
Estimated remaining funds due at closing
$156,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,885.20
Your down payment$147,885.20
Closing costs + prepaids$8,205.74
Total buyer cash needed$156,090.94
Remaining funds due$156,090.94
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)$103.00
Prepaid interest, first (31 days)$87.74
Fees + prepaids$8,205.74
Your down payment is the seller’s equity. You take over the $31,115 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $156,090.94 is due at closing. Uses and sources reconcile at $187,205.74 each. Not a Closing Disclosure.