Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$171,550Cash toward the purchase price.
Closing costs + prepaids$9,124Not just lender fees.
Before credits & paid funds$180,674The complete starting cash picture.
Estimated remaining funds due at closing
$180,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,550.25
Your down payment$171,550.25
Closing costs + prepaids$9,124.03
Total buyer cash needed$180,674.28
Remaining funds due$180,674.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,315.00
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)$246.50
Prepaid interest, first (30 days)$337.53
Fees + prepaids$9,124.03
Your down payment is the seller’s equity. You take over the $59,950 balance, so the rest of the $231,500 price is paid at closing. A second mortgage can cover part of it. $180,674.28 is due at closing. Uses and sources reconcile at $240,624.03 each. Not a Closing Disclosure.