Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,625Cash toward the purchase price.
Closing costs + prepaids$8,427Not just lender fees.
Before credits & paid funds$17,052The complete starting cash picture.
Estimated remaining funds due at closing
$17,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,624.78
Your down payment$8,624.78
Closing costs + prepaids$8,426.97
Total buyer cash needed$17,051.75
Remaining funds due$17,051.75
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 (2 days)$65.23
Fees + prepaids$8,426.97
Your down payment is the seller’s equity. You take over the $180,375 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $17,051.75 is due at closing. Uses and sources reconcile at $197,426.97 each. Not a Closing Disclosure.