Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$168,528Cash toward the purchase price.
Closing costs + prepaids$9,195Not just lender fees.
Before credits & paid funds$177,723The complete starting cash picture.
Estimated remaining funds due at closing
$177,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,528.17
Your down payment$168,528.17
Closing costs + prepaids$9,195.32
Total buyer cash needed$177,723.49
Remaining funds due$177,723.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$229.25
Prepaid interest, first (24 days)$241.07
Fees + prepaids$9,195.32
Your down payment is the seller’s equity. You take over the $81,472 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $177,723.49 is due at closing. Uses and sources reconcile at $259,195.32 each. Not a Closing Disclosure.