Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$47,788Cash toward the purchase price.
Closing costs + prepaids$9,217Not just lender fees.
Before credits & paid funds$57,005The complete starting cash picture.
Estimated remaining funds due at closing
$57,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,788.21
Your down payment$47,788.21
Closing costs + prepaids$9,216.92
Total buyer cash needed$57,005.13
Remaining funds due$57,005.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,820.00
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)$530.25
Initial HOA (3 months)$591.00
Prepaid interest, first (2 days)$50.67
Fees + prepaids$9,216.92
Your down payment is the seller’s equity. You take over the $134,212 balance, so the rest of the $182,000 price is paid at closing. A second mortgage can cover part of it. $57,005.13 is due at closing. Uses and sources reconcile at $191,216.92 each. Not a Closing Disclosure.