Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,777Cash toward the purchase price.
Closing costs + prepaids$9,184Not just lender fees.
Before credits & paid funds$182,960The complete starting cash picture.
Estimated remaining funds due at closing
$182,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,776.65
Your down payment$173,776.65
Closing costs + prepaids$9,183.73
Total buyer cash needed$182,960.39
Remaining funds due$182,960.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$337.00
Prepaid interest, first (27 days)$271.73
Fees + prepaids$9,183.73
Your down payment is the seller’s equity. You take over the $61,223 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $182,960.39 is due at closing. Uses and sources reconcile at $244,183.73 each. Not a Closing Disclosure.