Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,582Cash toward the purchase price.
Closing costs + prepaids$8,707Not just lender fees.
Before credits & paid funds$82,288The complete starting cash picture.
Estimated remaining funds due at closing
$82,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,581.96
Your down payment$73,581.96
Closing costs + prepaids$8,706.50
Total buyer cash needed$82,288.47
Remaining funds due$82,288.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$70.25
Initial HOA (3 months)$651.00
Prepaid interest, first (1 days)$10.25
Fees + prepaids$8,706.50
Your down payment is the seller’s equity. You take over the $101,418 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $82,288.47 is due at closing. Uses and sources reconcile at $183,706.50 each. Not a Closing Disclosure.