Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$175,915Cash toward the purchase price.
Closing costs + prepaids$9,863Not just lender fees.
Before credits & paid funds$185,779The complete starting cash picture.
Estimated remaining funds due at closing
$185,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,915.33
Your down payment$175,915.33
Closing costs + prepaids$9,863.46
Total buyer cash needed$185,778.79
Remaining funds due$185,778.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,180.00
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)$261.50
Initial HOA (3 months)$1,140.00
Prepaid interest, first (10 days)$56.96
Fees + prepaids$9,863.46
Your down payment is the seller’s equity. You take over the $42,085 balance, so the rest of the $218,000 price is paid at closing. A second mortgage can cover part of it. $185,778.79 is due at closing. Uses and sources reconcile at $227,863.46 each. Not a Closing Disclosure.