Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$178,100Cash toward the purchase price.
Closing costs + prepaids$9,941Not just lender fees.
Before credits & paid funds$188,040The complete starting cash picture.
Estimated remaining funds due at closing
$188,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,099.61
Your down payment$178,099.61
Closing costs + prepaids$9,940.54
Total buyer cash needed$188,040.14
Remaining funds due$188,040.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$880.00
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$16.54
Fees + prepaids$9,940.54
Your down payment is the seller’s equity. You take over the $76,800 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $188,040.14 is due at closing. Uses and sources reconcile at $264,840.54 each. Not a Closing Disclosure.