Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$165,050Cash toward the purchase price.
Closing costs + prepaids$8,935Not just lender fees.
Before credits & paid funds$173,986The complete starting cash picture.
Estimated remaining funds due at closing
$173,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,050.25
Your down payment$165,050.25
Closing costs + prepaids$8,935.27
Total buyer cash needed$173,985.52
Remaining funds due$173,985.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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 (19 days)$213.77
Fees + prepaids$8,935.27
Your down payment is the seller’s equity. You take over the $59,950 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $173,985.52 is due at closing. Uses and sources reconcile at $233,935.27 each. Not a Closing Disclosure.