Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$165,353Cash toward the purchase price.
Closing costs + prepaids$9,096Not just lender fees.
Before credits & paid funds$174,449The complete starting cash picture.
Estimated remaining funds due at closing
$174,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,353.22
Your down payment$165,353.22
Closing costs + prepaids$9,095.89
Total buyer cash needed$174,449.12
Remaining funds due$174,449.12
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)$179.75
Prepaid interest, first (21 days)$192.14
Fees + prepaids$9,095.89
Your down payment is the seller’s equity. You take over the $84,547 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $174,449.12 is due at closing. Uses and sources reconcile at $258,995.89 each. Not a Closing Disclosure.