Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$162,535Cash toward the purchase price.
Closing costs + prepaids$10,747Not just lender fees.
Before credits & paid funds$173,283The complete starting cash picture.
Estimated remaining funds due at closing
$173,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,535.33
Your down payment$162,535.33
Closing costs + prepaids$10,747.18
Total buyer cash needed$173,282.51
Remaining funds due$173,282.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$1,715.75
Prepaid interest, first (26 days)$307.43
Fees + prepaids$10,747.18
Your down payment is the seller’s equity. You take over the $87,365 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $173,282.51 is due at closing. Uses and sources reconcile at $260,647.18 each. Not a Closing Disclosure.