Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$165,942Cash toward the purchase price.
Closing costs + prepaids$9,437Not just lender fees.
Before credits & paid funds$175,379The complete starting cash picture.
Estimated remaining funds due at closing
$175,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,942.11
Your down payment$165,942.11
Closing costs + prepaids$9,437.10
Total buyer cash needed$175,379.21
Remaining funds due$175,379.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,688.88
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)$279.25
Prepaid interest, first (25 days)$243.97
Fees + prepaids$9,437.10
Your down payment is the seller’s equity. You take over the $102,946 balance, so the rest of the $268,888 price is paid at closing. A second mortgage can cover part of it. $175,379.21 is due at closing. Uses and sources reconcile at $278,325.10 each. Not a Closing Disclosure.