Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$8,835Cash toward the purchase price.
Closing costs + prepaids$9,339Not just lender fees.
Before credits & paid funds$18,174The complete starting cash picture.
Estimated remaining funds due at closing
$18,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,834.90
Your down payment$8,834.90
Closing costs + prepaids$9,339.07
Total buyer cash needed$18,173.98
Remaining funds due$18,173.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$122.75
Initial HOA (3 months)$123.99
Prepaid interest, first (30 days)$977.33
Fees + prepaids$9,339.07
Your down payment is the seller’s equity. You take over the $180,165 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $18,173.98 is due at closing. Uses and sources reconcile at $198,339.07 each. Not a Closing Disclosure.