Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$144,209Cash toward the purchase price.
Closing costs + prepaids$9,198Not just lender fees.
Before credits & paid funds$153,407The complete starting cash picture.
Estimated remaining funds due at closing
$153,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,209.10
Your down payment$144,209.10
Closing costs + prepaids$9,197.78
Total buyer cash needed$153,406.88
Remaining funds due$153,406.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$214.75
Initial HOA (3 months)$897.00
Prepaid interest, first (12 days)$71.03
Fees + prepaids$9,197.78
Your down payment is the seller’s equity. You take over the $34,791 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $153,406.88 is due at closing. Uses and sources reconcile at $188,197.78 each. Not a Closing Disclosure.