Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$177,297Cash toward the purchase price.
Closing costs + prepaids$8,891Not just lender fees.
Before credits & paid funds$186,187The complete starting cash picture.
Estimated remaining funds due at closing
$186,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,296.75
Your down payment$177,296.75
Closing costs + prepaids$8,890.54
Total buyer cash needed$186,187.29
Remaining funds due$186,187.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$500.50
Initial HOA (3 months)$264.00
Prepaid interest, first (1 days)$1.04
Fees + prepaids$8,890.54
Your down payment is the seller’s equity. You take over the $12,703 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $186,187.29 is due at closing. Uses and sources reconcile at $198,890.54 each. Not a Closing Disclosure.