Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$166,903Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$176,928The complete starting cash picture.
Estimated remaining funds due at closing
$176,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,902.79
Your down payment$166,902.79
Closing costs + prepaids$10,025.39
Total buyer cash needed$176,928.18
Remaining funds due$176,928.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$681.75
Initial HOA (3 months)$330.00
Prepaid interest, first (28 days)$239.64
Fees + prepaids$10,025.39
Your down payment is the seller’s equity. You take over the $87,997 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $176,928.18 is due at closing. Uses and sources reconcile at $264,925.39 each. Not a Closing Disclosure.