Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$152,177Cash toward the purchase price.
Closing costs + prepaids$10,674Not just lender fees.
Before credits & paid funds$162,850The complete starting cash picture.
Estimated remaining funds due at closing
$162,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,176.70
Your down payment$152,176.70
Closing costs + prepaids$10,673.50
Total buyer cash needed$162,850.21
Remaining funds due$162,850.21
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)$657.50
Initial HOA (3 months)$939.00
Prepaid interest, first (22 days)$352.00
Fees + prepaids$10,673.50
Your down payment is the seller’s equity. You take over the $97,823 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $162,850.21 is due at closing. Uses and sources reconcile at $260,673.50 each. Not a Closing Disclosure.