Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,448Cash toward the purchase price.
Closing costs + prepaids$8,856Not just lender fees.
Before credits & paid funds$27,303The complete starting cash picture.
Estimated remaining funds due at closing
$27,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,447.78
Your down payment$18,447.78
Closing costs + prepaids$8,855.59
Total buyer cash needed$27,303.37
Remaining funds due$27,303.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,749.99
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)$118.75
Initial HOA (3 months)$735.00
Prepaid interest, first (1 days)$26.85
Fees + prepaids$8,855.59
Your down payment is the seller’s equity. You take over the $156,551 balance, so the rest of the $174,999 price is paid at closing. A second mortgage can cover part of it. $27,303.37 is due at closing. Uses and sources reconcile at $183,854.59 each. Not a Closing Disclosure.