Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$182,058Cash toward the purchase price.
Closing costs + prepaids$10,250Not just lender fees.
Before credits & paid funds$192,308The complete starting cash picture.
Estimated remaining funds due at closing
$192,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,057.86
Your down payment$182,057.86
Closing costs + prepaids$10,250.37
Total buyer cash needed$192,308.23
Remaining funds due$192,308.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.90
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)$362.75
Initial HOA (3 months)$360.00
Prepaid interest, first (30 days)$352.72
Fees + prepaids$10,250.37
Your down payment is the seller’s equity. You take over the $112,932 balance, so the rest of the $294,990 price is paid at closing. A second mortgage can cover part of it. $192,308.23 is due at closing. Uses and sources reconcile at $305,240.37 each. Not a Closing Disclosure.