Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$163,755Cash toward the purchase price.
Closing costs + prepaids$9,709Not just lender fees.
Before credits & paid funds$173,463The complete starting cash picture.
Estimated remaining funds due at closing
$173,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,754.52
Your down payment$163,754.52
Closing costs + prepaids$9,708.66
Total buyer cash needed$173,463.18
Remaining funds due$173,463.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$299.00
Initial HOA (3 months)$423.00
Prepaid interest, first (31 days)$262.66
Fees + prepaids$9,708.66
Your down payment is the seller’s equity. You take over the $86,145 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $173,463.18 is due at closing. Uses and sources reconcile at $259,608.66 each. Not a Closing Disclosure.