Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$165,213Cash toward the purchase price.
Closing costs + prepaids$9,355Not just lender fees.
Before credits & paid funds$174,568The complete starting cash picture.
Estimated remaining funds due at closing
$174,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,212.99
Your down payment$165,212.99
Closing costs + prepaids$9,355.09
Total buyer cash needed$174,568.08
Remaining funds due$174,568.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.90
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)$362.25
Prepaid interest, first (28 days)$267.94
Fees + prepaids$9,355.09
Your down payment is the seller’s equity. You take over the $84,777 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $174,568.08 is due at closing. Uses and sources reconcile at $259,345.09 each. Not a Closing Disclosure.