Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$107,006Cash toward the purchase price.
Closing costs + prepaids$8,610Not just lender fees.
Before credits & paid funds$115,617The complete starting cash picture.
Estimated remaining funds due at closing
$115,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,006.39
Your down payment$107,006.39
Closing costs + prepaids$8,610.36
Total buyer cash needed$115,616.75
Remaining funds due$115,616.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$258.00
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$212.36
Fees + prepaids$8,610.36
Your down payment is the seller’s equity. You take over the $67,994 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $115,616.75 is due at closing. Uses and sources reconcile at $183,610.36 each. Not a Closing Disclosure.