Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$166,180Cash toward the purchase price.
Closing costs + prepaids$9,641Not just lender fees.
Before credits & paid funds$175,821The complete starting cash picture.
Estimated remaining funds due at closing
$175,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,179.95
Your down payment$166,179.95
Closing costs + prepaids$9,640.55
Total buyer cash needed$175,820.50
Remaining funds due$175,820.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$298.25
Prepaid interest, first (28 days)$367.30
Fees + prepaids$9,640.55
Your down payment is the seller’s equity. You take over the $108,820 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $175,820.50 is due at closing. Uses and sources reconcile at $284,640.55 each. Not a Closing Disclosure.