Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$91,885Cash toward the purchase price.
Closing costs + prepaids$9,645Not just lender fees.
Before credits & paid funds$101,530The complete starting cash picture.
Estimated remaining funds due at closing
$101,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,884.79
Your down payment$91,884.79
Closing costs + prepaids$9,644.81
Total buyer cash needed$101,529.60
Remaining funds due$101,529.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,849.00
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)$471.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (5 days)$49.31
Fees + prepaids$9,644.81
Your down payment is the seller’s equity. You take over the $93,015 balance, so the rest of the $184,900 price is paid at closing. A second mortgage can cover part of it. $101,529.60 is due at closing. Uses and sources reconcile at $194,544.81 each. Not a Closing Disclosure.