Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$162,500Cash toward the purchase price.
Closing costs + prepaids$8,104Not just lender fees.
Before credits & paid funds$170,604The complete starting cash picture.
Estimated remaining funds due at closing
$170,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,499.69
Your down payment$162,499.69
Closing costs + prepaids$8,103.86
Total buyer cash needed$170,603.55
Remaining funds due$170,603.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$214.75
Prepaid interest, first (27 days)$14.11
Fees + prepaids$8,103.86
Your down payment is the seller’s equity. You take over the $2,500 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $170,603.55 is due at closing. Uses and sources reconcile at $173,103.86 each. Not a Closing Disclosure.