Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$101,219Cash toward the purchase price.
Closing costs + prepaids$8,250Not just lender fees.
Before credits & paid funds$109,469The complete starting cash picture.
Estimated remaining funds due at closing
$109,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,219.19
Your down payment$101,219.19
Closing costs + prepaids$8,249.95
Total buyer cash needed$109,469.14
Remaining funds due$109,469.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$210.00
Prepaid interest, first (9 days)$64.95
Fees + prepaids$8,249.95
Your down payment is the seller’s equity. You take over the $73,781 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $109,469.14 is due at closing. Uses and sources reconcile at $183,249.95 each. Not a Closing Disclosure.