Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$155,627Cash toward the purchase price.
Closing costs + prepaids$8,866Not just lender fees.
Before credits & paid funds$164,493The complete starting cash picture.
Estimated remaining funds due at closing
$164,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,627.50
Your down payment$155,627.50
Closing costs + prepaids$8,865.54
Total buyer cash needed$164,493.03
Remaining funds due$164,493.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$214.50
Prepaid interest, first (22 days)$176.04
Fees + prepaids$8,865.54
Your down payment is the seller’s equity. You take over the $69,373 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $164,493.03 is due at closing. Uses and sources reconcile at $233,865.54 each. Not a Closing Disclosure.