Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$164,422Cash toward the purchase price.
Closing costs + prepaids$9,010Not just lender fees.
Before credits & paid funds$173,433The complete starting cash picture.
Estimated remaining funds due at closing
$173,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,422.33
Your down payment$164,422.33
Closing costs + prepaids$9,010.17
Total buyer cash needed$173,432.50
Remaining funds due$173,432.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$223.75
Prepaid interest, first (22 days)$211.42
Fees + prepaids$9,010.17
Your down payment is the seller’s equity. You take over the $70,578 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $173,432.50 is due at closing. Uses and sources reconcile at $244,010.17 each. Not a Closing Disclosure.