Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,538Cash toward the purchase price.
Closing costs + prepaids$9,723Not just lender fees.
Before credits & paid funds$176,261The complete starting cash picture.
Estimated remaining funds due at closing
$176,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,538.05
Your down payment$166,538.05
Closing costs + prepaids$9,723.43
Total buyer cash needed$176,261.48
Remaining funds due$176,261.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$597.25
Prepaid interest, first (26 days)$411.18
Fees + prepaids$9,723.43
Your down payment is the seller’s equity. You take over the $82,462 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $176,261.48 is due at closing. Uses and sources reconcile at $258,723.43 each. Not a Closing Disclosure.