Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$173,323Cash toward the purchase price.
Closing costs + prepaids$8,969Not just lender fees.
Before credits & paid funds$182,292The complete starting cash picture.
Estimated remaining funds due at closing
$182,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,323.14
Your down payment$173,323.14
Closing costs + prepaids$8,968.72
Total buyer cash needed$182,291.86
Remaining funds due$182,291.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,230.00
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)$327.75
Prepaid interest, first (28 days)$185.97
Fees + prepaids$8,968.72
Your down payment is the seller’s equity. You take over the $49,677 balance, so the rest of the $223,000 price is paid at closing. A second mortgage can cover part of it. $182,291.86 is due at closing. Uses and sources reconcile at $231,968.72 each. Not a Closing Disclosure.