Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$167,328Cash toward the purchase price.
Closing costs + prepaids$10,475Not just lender fees.
Before credits & paid funds$177,803The complete starting cash picture.
Estimated remaining funds due at closing
$177,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,327.91
Your down payment$167,327.91
Closing costs + prepaids$10,474.90
Total buyer cash needed$177,802.82
Remaining funds due$177,802.82
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)$1,518.25
Prepaid interest, first (23 days)$182.65
Fees + prepaids$10,474.90
Your down payment is the seller’s equity. You take over the $87,572 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $177,802.82 is due at closing. Uses and sources reconcile at $265,374.90 each. Not a Closing Disclosure.