Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$173,127Cash toward the purchase price.
Closing costs + prepaids$10,071Not just lender fees.
Before credits & paid funds$183,198The complete starting cash picture.
Estimated remaining funds due at closing
$183,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,127.36
Your down payment$173,127.36
Closing costs + prepaids$10,071.09
Total buyer cash needed$183,198.45
Remaining funds due$183,198.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,815.00
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)$751.25
Prepaid interest, first (25 days)$279.84
Fees + prepaids$10,071.09
Your down payment is the seller’s equity. You take over the $108,373 balance, so the rest of the $281,500 price is paid at closing. A second mortgage can cover part of it. $183,198.45 is due at closing. Uses and sources reconcile at $291,571.09 each. Not a Closing Disclosure.