Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$176,978Cash toward the purchase price.
Closing costs + prepaids$8,780Not just lender fees.
Before credits & paid funds$185,758The complete starting cash picture.
Estimated remaining funds due at closing
$185,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,978.01
Your down payment$176,978.01
Closing costs + prepaids$8,779.96
Total buyer cash needed$185,757.96
Remaining funds due$185,757.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,940.00
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)$174.25
Initial HOA (3 months)$357.00
Prepaid interest, first (31 days)$83.71
Fees + prepaids$8,779.96
Your down payment is the seller’s equity. You take over the $17,022 balance, so the rest of the $194,000 price is paid at closing. A second mortgage can cover part of it. $185,757.96 is due at closing. Uses and sources reconcile at $202,779.96 each. Not a Closing Disclosure.