Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$71,188Cash toward the purchase price.
Closing costs + prepaids$8,236Not just lender fees.
Before credits & paid funds$79,424The complete starting cash picture.
Estimated remaining funds due at closing
$79,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,187.84
Your down payment$71,187.84
Closing costs + prepaids$8,235.81
Total buyer cash needed$79,423.65
Remaining funds due$79,423.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$130.25
Prepaid interest, first (2 days)$30.56
Fees + prepaids$8,235.81
Your down payment is the seller’s equity. You take over the $113,812 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $79,423.65 is due at closing. Uses and sources reconcile at $193,235.81 each. Not a Closing Disclosure.