Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,179Cash toward the purchase price.
Closing costs + prepaids$9,606Not just lender fees.
Before credits & paid funds$183,784The complete starting cash picture.
Estimated remaining funds due at closing
$183,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,178.74
Your down payment$174,178.74
Closing costs + prepaids$9,605.71
Total buyer cash needed$183,784.45
Remaining funds due$183,784.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$695.75
Prepaid interest, first (27 days)$185.96
Fees + prepaids$9,605.71
Your down payment is the seller’s equity. You take over the $75,721 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $183,784.45 is due at closing. Uses and sources reconcile at $259,505.71 each. Not a Closing Disclosure.