Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$99,448Cash toward the purchase price.
Closing costs + prepaids$8,296Not just lender fees.
Before credits & paid funds$107,744The complete starting cash picture.
Estimated remaining funds due at closing
$107,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,447.60
Your down payment$99,447.60
Closing costs + prepaids$8,296.42
Total buyer cash needed$107,744.02
Remaining funds due$107,744.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$218.75
Prepaid interest, first (16 days)$102.67
Fees + prepaids$8,296.42
Your down payment is the seller’s equity. You take over the $75,552 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $107,744.02 is due at closing. Uses and sources reconcile at $183,296.42 each. Not a Closing Disclosure.