Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$19,622Cash toward the purchase price.
Closing costs + prepaids$9,209Not just lender fees.
Before credits & paid funds$28,832The complete starting cash picture.
Estimated remaining funds due at closing
$28,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,622.42
Your down payment$19,622.42
Closing costs + prepaids$9,209.35
Total buyer cash needed$28,831.77
Remaining funds due$28,831.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,795.00
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)$224.50
Initial HOA (3 months)$573.00
Prepaid interest, first (14 days)$391.85
Fees + prepaids$9,209.35
Your down payment is the seller’s equity. You take over the $159,878 balance, so the rest of the $179,500 price is paid at closing. A second mortgage can cover part of it. $28,831.77 is due at closing. Uses and sources reconcile at $188,709.35 each. Not a Closing Disclosure.