Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$96,867Cash toward the purchase price.
Closing costs + prepaids$9,550Not just lender fees.
Before credits & paid funds$106,417The complete starting cash picture.
Estimated remaining funds due at closing
$106,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,867.36
Your down payment$96,867.36
Closing costs + prepaids$9,550.12
Total buyer cash needed$106,417.47
Remaining funds due$106,417.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,806.54
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)$216.75
Initial HOA (3 months)$1,182.00
Prepaid interest, first (12 days)$119.83
Fees + prepaids$9,550.12
Your down payment is the seller’s equity. You take over the $83,787 balance, so the rest of the $180,654 price is paid at closing. A second mortgage can cover part of it. $106,417.47 is due at closing. Uses and sources reconcile at $190,204.12 each. Not a Closing Disclosure.