Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$167,333Cash toward the purchase price.
Closing costs + prepaids$9,473Not just lender fees.
Before credits & paid funds$176,805The complete starting cash picture.
Estimated remaining funds due at closing
$176,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,332.64
Your down payment$167,332.64
Closing costs + prepaids$9,472.55
Total buyer cash needed$176,805.20
Remaining funds due$176,805.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.90
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)$258.00
Initial HOA (3 months)$795.00
Prepaid interest, first (9 days)$44.65
Fees + prepaids$9,472.55
Your down payment is the seller’s equity. You take over the $47,657 balance, so the rest of the $214,990 price is paid at closing. A second mortgage can cover part of it. $176,805.20 is due at closing. Uses and sources reconcile at $224,462.55 each. Not a Closing Disclosure.