Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$176,915Cash toward the purchase price.
Closing costs + prepaids$9,905Not just lender fees.
Before credits & paid funds$186,820The complete starting cash picture.
Estimated remaining funds due at closing
$186,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,915.33
Your down payment$176,915.33
Closing costs + prepaids$9,904.57
Total buyer cash needed$186,819.90
Remaining funds due$186,819.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$173.00
Initial HOA (3 months)$1,140.00
Prepaid interest, first (31 days)$176.57
Fees + prepaids$9,904.57
Your down payment is the seller’s equity. You take over the $42,085 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $186,819.90 is due at closing. Uses and sources reconcile at $228,904.57 each. Not a Closing Disclosure.