Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$175,306Cash toward the purchase price.
Closing costs + prepaids$9,577Not just lender fees.
Before credits & paid funds$184,883The complete starting cash picture.
Estimated remaining funds due at closing
$184,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,305.70
Your down payment$175,305.70
Closing costs + prepaids$9,577.48
Total buyer cash needed$184,883.18
Remaining funds due$184,883.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$625.00
Prepaid interest, first (28 days)$227.48
Fees + prepaids$9,577.48
Your down payment is the seller’s equity. You take over the $74,694 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $184,883.18 is due at closing. Uses and sources reconcile at $259,577.48 each. Not a Closing Disclosure.