Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$157,499Cash toward the purchase price.
Closing costs + prepaids$9,462Not just lender fees.
Before credits & paid funds$166,961The complete starting cash picture.
Estimated remaining funds due at closing
$166,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,499.12
Your down payment$157,499.12
Closing costs + prepaids$9,462.04
Total buyer cash needed$166,961.16
Remaining funds due$166,961.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$457.00
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$180.04
Fees + prepaids$9,462.04
Your down payment is the seller’s equity. You take over the $72,501 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $166,961.16 is due at closing. Uses and sources reconcile at $239,462.04 each. Not a Closing Disclosure.