Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$170,497Cash toward the purchase price.
Closing costs + prepaids$9,621Not just lender fees.
Before credits & paid funds$180,119The complete starting cash picture.
Estimated remaining funds due at closing
$180,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,497.14
Your down payment$170,497.14
Closing costs + prepaids$9,621.39
Total buyer cash needed$180,118.53
Remaining funds due$180,118.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$525.25
Initial HOA (3 months)$105.00
Prepaid interest, first (24 days)$216.14
Fees + prepaids$9,621.39
Your down payment is the seller’s equity. You take over the $84,503 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $180,118.53 is due at closing. Uses and sources reconcile at $264,621.39 each. Not a Closing Disclosure.