Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,559Cash toward the purchase price.
Closing costs + prepaids$10,644Not just lender fees.
Before credits & paid funds$45,204The complete starting cash picture.
Estimated remaining funds due at closing
$45,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,559.39
Your down payment$34,559.39
Closing costs + prepaids$10,644.15
Total buyer cash needed$45,203.54
Remaining funds due$45,203.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$1,398.75
Initial HOA (3 months)$585.00
Prepaid interest, first (30 days)$736.40
Fees + prepaids$10,644.15
Your down payment is the seller’s equity. You take over the $135,341 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $45,203.54 is due at closing. Uses and sources reconcile at $180,544.15 each. Not a Closing Disclosure.