Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$88,792Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$100,190The complete starting cash picture.
Estimated remaining funds due at closing
$100,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,791.65
Your down payment$88,791.65
Closing costs + prepaids$11,398.15
Total buyer cash needed$100,189.80
Remaining funds due$100,189.80
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)$482.25
Initial HOA (3 months)$2,505.00
Prepaid interest, first (31 days)$386.90
Fees + prepaids$11,398.15
Your down payment is the seller’s equity. You take over the $91,108 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $100,189.80 is due at closing. Uses and sources reconcile at $191,298.15 each. Not a Closing Disclosure.