Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$172,496Cash toward the purchase price.
Closing costs + prepaids$8,918Not just lender fees.
Before credits & paid funds$181,414The complete starting cash picture.
Estimated remaining funds due at closing
$181,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,496.07
Your down payment$172,496.07
Closing costs + prepaids$8,917.91
Total buyer cash needed$181,413.98
Remaining funds due$181,413.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$287.50
Prepaid interest, first (17 days)$106.41
Fees + prepaids$8,917.91
Your down payment is the seller’s equity. You take over the $57,404 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $181,413.98 is due at closing. Uses and sources reconcile at $238,817.91 each. Not a Closing Disclosure.