Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,048Cash toward the purchase price.
Closing costs + prepaids$9,095Not just lender fees.
Before credits & paid funds$44,144The complete starting cash picture.
Estimated remaining funds due at closing
$44,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,048.40
Your down payment$35,048.40
Closing costs + prepaids$9,095.40
Total buyer cash needed$44,143.80
Remaining funds due$44,143.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$1,053.50
Prepaid interest, first (1 days)$17.90
Fees + prepaids$9,095.40
Your down payment is the seller’s equity. You take over the $144,852 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $44,143.80 is due at closing. Uses and sources reconcile at $188,995.40 each. Not a Closing Disclosure.