Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$175,768Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$186,271The complete starting cash picture.
Estimated remaining funds due at closing
$186,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,767.56
Your down payment$175,767.56
Closing costs + prepaids$10,503.81
Total buyer cash needed$186,271.37
Remaining funds due$186,271.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$1,628.25
Prepaid interest, first (23 days)$0.56
Fees + prepaids$10,503.81
Your down payment is the seller’s equity. You take over the $89,232 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $186,271.37 is due at closing. Uses and sources reconcile at $275,503.81 each. Not a Closing Disclosure.