Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$166,095Cash toward the purchase price.
Closing costs + prepaids$9,798Not just lender fees.
Before credits & paid funds$175,893The complete starting cash picture.
Estimated remaining funds due at closing
$175,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,095.39
Your down payment$166,095.39
Closing costs + prepaids$9,798.07
Total buyer cash needed$175,893.47
Remaining funds due$175,893.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$192.75
Initial HOA (3 months)$600.00
Prepaid interest, first (24 days)$230.32
Fees + prepaids$9,798.07
Your down payment is the seller’s equity. You take over the $88,905 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $175,893.47 is due at closing. Uses and sources reconcile at $264,798.07 each. Not a Closing Disclosure.