Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$164,932Cash toward the purchase price.
Closing costs + prepaids$11,533Not just lender fees.
Before credits & paid funds$176,465The complete starting cash picture.
Estimated remaining funds due at closing
$176,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,931.52
Your down payment$164,931.52
Closing costs + prepaids$11,533.48
Total buyer cash needed$176,465.00
Remaining funds due$176,465.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$547.25
Prepaid interest, first (25 days)$511.23
Fees + prepaids$11,533.48
Your down payment is the seller’s equity. You take over the $260,068 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $176,465.00 is due at closing. Uses and sources reconcile at $436,533.48 each. Not a Closing Disclosure.