Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,948Cash toward the purchase price.
Closing costs + prepaids$9,181Not just lender fees.
Before credits & paid funds$183,129The complete starting cash picture.
Estimated remaining funds due at closing
$183,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,947.94
Your down payment$173,947.94
Closing costs + prepaids$9,181.15
Total buyer cash needed$183,129.09
Remaining funds due$183,129.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$562.50
Prepaid interest, first (26 days)$143.65
Fees + prepaids$9,181.15
Your down payment is the seller’s equity. You take over the $51,052 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $183,129.09 is due at closing. Uses and sources reconcile at $234,181.15 each. Not a Closing Disclosure.