Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$18,302Cash toward the purchase price.
Closing costs + prepaids$8,844Not just lender fees.
Before credits & paid funds$27,146The complete starting cash picture.
Estimated remaining funds due at closing
$27,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,302.23
Your down payment$18,302.23
Closing costs + prepaids$8,843.88
Total buyer cash needed$27,146.11
Remaining funds due$27,146.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$593.25
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$50.64
Fees + prepaids$8,843.88
Your down payment is the seller’s equity. You take over the $176,698 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $27,146.11 is due at closing. Uses and sources reconcile at $203,843.88 each. Not a Closing Disclosure.