Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$175,250Cash toward the purchase price.
Closing costs + prepaids$9,425Not just lender fees.
Before credits & paid funds$184,674The complete starting cash picture.
Estimated remaining funds due at closing
$184,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,249.81
Your down payment$175,249.81
Closing costs + prepaids$9,424.62
Total buyer cash needed$184,674.43
Remaining funds due$184,674.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,395.00
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)$605.50
Prepaid interest, first (28 days)$199.12
Fees + prepaids$9,424.62
Your down payment is the seller’s equity. You take over the $64,250 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $184,674.43 is due at closing. Uses and sources reconcile at $248,924.62 each. Not a Closing Disclosure.