Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$102,075Cash toward the purchase price.
Closing costs + prepaids$8,450Not just lender fees.
Before credits & paid funds$110,525The complete starting cash picture.
Estimated remaining funds due at closing
$110,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,075.28
Your down payment$102,075.28
Closing costs + prepaids$8,449.82
Total buyer cash needed$110,525.10
Remaining funds due$110,525.10
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)$446.25
Prepaid interest, first (5 days)$28.57
Fees + prepaids$8,449.82
Your down payment is the seller’s equity. You take over the $72,925 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $110,525.10 is due at closing. Uses and sources reconcile at $183,449.82 each. Not a Closing Disclosure.