Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,047Cash toward the purchase price.
Closing costs + prepaids$10,032Not just lender fees.
Before credits & paid funds$178,079The complete starting cash picture.
Estimated remaining funds due at closing
$178,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,046.94
Your down payment$168,046.94
Closing costs + prepaids$10,032.41
Total buyer cash needed$178,079.35
Remaining funds due$178,079.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,625.00
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)$846.00
Prepaid interest, first (26 days)$336.41
Fees + prepaids$10,032.41
Your down payment is the seller’s equity. You take over the $94,453 balance, so the rest of the $262,500 price is paid at closing. A second mortgage can cover part of it. $178,079.35 is due at closing. Uses and sources reconcile at $272,532.41 each. Not a Closing Disclosure.