Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$79,917Cash toward the purchase price.
Closing costs + prepaids$10,677Not just lender fees.
Before credits & paid funds$90,594The complete starting cash picture.
Estimated remaining funds due at closing
$90,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,916.97
Your down payment$79,916.97
Closing costs + prepaids$10,677.18
Total buyer cash needed$90,594.14
Remaining funds due$90,594.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,845.00
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)$471.25
Initial HOA (3 months)$1,860.00
Prepaid interest, first (30 days)$275.93
Fees + prepaids$10,677.18
Your down payment is the seller’s equity. You take over the $104,583 balance, so the rest of the $184,500 price is paid at closing. A second mortgage can cover part of it. $90,594.14 is due at closing. Uses and sources reconcile at $195,177.18 each. Not a Closing Disclosure.