Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$71,957Cash toward the purchase price.
Closing costs + prepaids$10,311Not just lender fees.
Before credits & paid funds$82,269The complete starting cash picture.
Estimated remaining funds due at closing
$82,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,957.11
Your down payment$71,957.11
Closing costs + prepaids$10,311.44
Total buyer cash needed$82,268.55
Remaining funds due$82,268.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$673.00
Initial HOA (3 months)$1,455.00
Prepaid interest, first (22 days)$308.44
Fees + prepaids$10,311.44
Your down payment is the seller’s equity. You take over the $93,043 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $82,268.55 is due at closing. Uses and sources reconcile at $175,311.44 each. Not a Closing Disclosure.