Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,920Cash toward the purchase price.
Closing costs + prepaids$8,207Not just lender fees.
Before credits & paid funds$109,127The complete starting cash picture.
Estimated remaining funds due at closing
$109,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,920.07
Your down payment$100,920.07
Closing costs + prepaids$8,207.41
Total buyer cash needed$109,127.48
Remaining funds due$109,127.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$161.50
Initial HOA (3 months)$11.01
Prepaid interest, first (1 days)$9.90
Fees + prepaids$8,207.41
Your down payment is the seller’s equity. You take over the $79,080 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $109,127.48 is due at closing. Uses and sources reconcile at $188,207.41 each. Not a Closing Disclosure.