Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$163,107Cash toward the purchase price.
Closing costs + prepaids$10,008Not just lender fees.
Before credits & paid funds$173,115The complete starting cash picture.
Estimated remaining funds due at closing
$173,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,107.47
Your down payment$163,107.47
Closing costs + prepaids$10,007.84
Total buyer cash needed$173,115.32
Remaining funds due$173,115.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,260.00
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)$576.25
Initial HOA (3 months)$900.00
Prepaid interest, first (4 days)$46.59
Fees + prepaids$10,007.84
Your down payment is the seller’s equity. You take over the $62,893 balance, so the rest of the $226,000 price is paid at closing. A second mortgage can cover part of it. $173,115.32 is due at closing. Uses and sources reconcile at $236,007.84 each. Not a Closing Disclosure.