Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,576Cash toward the purchase price.
Closing costs + prepaids$9,501Not just lender fees.
Before credits & paid funds$166,077The complete starting cash picture.
Estimated remaining funds due at closing
$166,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,576.49
Your down payment$156,576.49
Closing costs + prepaids$9,500.87
Total buyer cash needed$166,077.36
Remaining funds due$166,077.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$1,446.00
Prepaid interest, first (23 days)$79.87
Fees + prepaids$9,500.87
Your down payment is the seller’s equity. You take over the $18,424 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $166,077.36 is due at closing. Uses and sources reconcile at $184,500.87 each. Not a Closing Disclosure.