Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$176,801Cash toward the purchase price.
Closing costs + prepaids$8,699Not just lender fees.
Before credits & paid funds$185,500The complete starting cash picture.
Estimated remaining funds due at closing
$185,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,801.34
Your down payment$176,801.34
Closing costs + prepaids$8,698.98
Total buyer cash needed$185,500.32
Remaining funds due$185,500.32
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 (1 days)$2.73
Fees + prepaids$8,698.98
Your down payment is the seller’s equity. You take over the $17,199 balance, so the rest of the $194,000 price is paid at closing. A second mortgage can cover part of it. $185,500.32 is due at closing. Uses and sources reconcile at $202,698.98 each. Not a Closing Disclosure.