Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$157,099Cash toward the purchase price.
Closing costs + prepaids$9,646Not just lender fees.
Before credits & paid funds$166,745The complete starting cash picture.
Estimated remaining funds due at closing
$166,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,099.49
Your down payment$157,099.49
Closing costs + prepaids$9,645.99
Total buyer cash needed$166,745.48
Remaining funds due$166,745.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$294.00
Initial HOA (3 months)$585.00
Prepaid interest, first (10 days)$91.99
Fees + prepaids$9,645.99
Your down payment is the seller’s equity. You take over the $87,901 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $166,745.48 is due at closing. Uses and sources reconcile at $254,645.99 each. Not a Closing Disclosure.