Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,333Cash toward the purchase price.
Closing costs + prepaids$9,439Not just lender fees.
Before credits & paid funds$181,772The complete starting cash picture.
Estimated remaining funds due at closing
$181,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,332.64
Your down payment$172,332.64
Closing costs + prepaids$9,439.11
Total buyer cash needed$181,771.76
Remaining funds due$181,771.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.90
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)$85.25
Initial HOA (3 months)$795.00
Prepaid interest, first (27 days)$133.96
Fees + prepaids$9,439.11
Your down payment is the seller’s equity. You take over the $47,657 balance, so the rest of the $219,990 price is paid at closing. A second mortgage can cover part of it. $181,771.76 is due at closing. Uses and sources reconcile at $229,429.11 each. Not a Closing Disclosure.