Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$176,473Cash toward the purchase price.
Closing costs + prepaids$8,844Not just lender fees.
Before credits & paid funds$185,317The complete starting cash picture.
Estimated remaining funds due at closing
$185,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,472.89
Your down payment$176,472.89
Closing costs + prepaids$8,843.70
Total buyer cash needed$185,316.59
Remaining funds due$185,316.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,270.00
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)$283.75
Prepaid interest, first (12 days)$64.95
Fees + prepaids$8,843.70
Your down payment is the seller’s equity. You take over the $50,527 balance, so the rest of the $227,000 price is paid at closing. A second mortgage can cover part of it. $185,316.59 is due at closing. Uses and sources reconcile at $235,843.70 each. Not a Closing Disclosure.