Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$171,419Cash toward the purchase price.
Closing costs + prepaids$9,218Not just lender fees.
Before credits & paid funds$180,637The complete starting cash picture.
Estimated remaining funds due at closing
$180,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,418.56
Your down payment$171,418.56
Closing costs + prepaids$9,218.20
Total buyer cash needed$180,636.77
Remaining funds due$180,636.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$575.50
Prepaid interest, first (28 days)$167.70
Fees + prepaids$9,218.20
Your down payment is the seller’s equity. You take over the $53,581 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $180,636.77 is due at closing. Uses and sources reconcile at $234,218.20 each. Not a Closing Disclosure.