Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$167,201Cash toward the purchase price.
Closing costs + prepaids$9,282Not just lender fees.
Before credits & paid funds$176,483The complete starting cash picture.
Estimated remaining funds due at closing
$176,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,200.69
Your down payment$167,200.69
Closing costs + prepaids$9,281.98
Total buyer cash needed$176,482.67
Remaining funds due$176,482.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$318.00
Prepaid interest, first (9 days)$88.98
Fees + prepaids$9,281.98
Your down payment is the seller’s equity. You take over the $97,799 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $176,482.67 is due at closing. Uses and sources reconcile at $274,281.98 each. Not a Closing Disclosure.