Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$78,601Cash toward the purchase price.
Closing costs + prepaids$8,993Not just lender fees.
Before credits & paid funds$87,594The complete starting cash picture.
Estimated remaining funds due at closing
$87,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,601.07
Your down payment$78,601.07
Closing costs + prepaids$8,992.67
Total buyer cash needed$87,593.74
Remaining funds due$87,593.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,749.00
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)$108.00
Initial HOA (3 months)$750.00
Prepaid interest, first (21 days)$160.67
Fees + prepaids$8,992.67
Your down payment is the seller’s equity. You take over the $96,299 balance, so the rest of the $174,900 price is paid at closing. A second mortgage can cover part of it. $87,593.74 is due at closing. Uses and sources reconcile at $183,892.67 each. Not a Closing Disclosure.