Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$152,932Cash toward the purchase price.
Closing costs + prepaids$9,853Not just lender fees.
Before credits & paid funds$162,785The complete starting cash picture.
Estimated remaining funds due at closing
$162,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,932.14
Your down payment$152,932.14
Closing costs + prepaids$9,852.54
Total buyer cash needed$162,784.68
Remaining funds due$162,784.68
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)$502.50
Initial HOA (3 months)$657.00
Prepaid interest, first (27 days)$218.04
Fees + prepaids$9,852.54
Your down payment is the seller’s equity. You take over the $72,068 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $162,784.68 is due at closing. Uses and sources reconcile at $234,852.54 each. Not a Closing Disclosure.