Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$166,093Cash toward the purchase price.
Closing costs + prepaids$9,087Not just lender fees.
Before credits & paid funds$175,180The complete starting cash picture.
Estimated remaining funds due at closing
$175,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,093.49
Your down payment$166,093.49
Closing costs + prepaids$9,087.00
Total buyer cash needed$175,180.49
Remaining funds due$175,180.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$1,076.25
Prepaid interest, first (22 days)$35.75
Fees + prepaids$9,087.00
Your down payment is the seller’s equity. You take over the $8,907 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $175,180.49 is due at closing. Uses and sources reconcile at $184,087.00 each. Not a Closing Disclosure.