Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$112,679Cash toward the purchase price.
Closing costs + prepaids$9,797Not just lender fees.
Before credits & paid funds$122,475The complete starting cash picture.
Estimated remaining funds due at closing
$122,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,678.61
Your down payment$112,678.61
Closing costs + prepaids$9,796.82
Total buyer cash needed$122,475.43
Remaining funds due$122,475.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$455.00
Initial HOA (3 months)$1,305.00
Prepaid interest, first (2 days)$12.82
Fees + prepaids$9,796.82
Your down payment is the seller’s equity. You take over the $67,221 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $122,475.43 is due at closing. Uses and sources reconcile at $189,696.82 each. Not a Closing Disclosure.