Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$165,224Cash toward the purchase price.
Closing costs + prepaids$9,988Not just lender fees.
Before credits & paid funds$175,212The complete starting cash picture.
Estimated remaining funds due at closing
$175,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,224.26
Your down payment$165,224.26
Closing costs + prepaids$9,988.06
Total buyer cash needed$175,212.31
Remaining funds due$175,212.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,480.00
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)$1,057.00
Prepaid interest, first (28 days)$226.06
Fees + prepaids$9,988.06
Your down payment is the seller’s equity. You take over the $82,776 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $175,212.31 is due at closing. Uses and sources reconcile at $257,988.06 each. Not a Closing Disclosure.