Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$156,265Cash toward the purchase price.
Closing costs + prepaids$10,459Not just lender fees.
Before credits & paid funds$166,724The complete starting cash picture.
Estimated remaining funds due at closing
$166,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,264.87
Your down payment$156,264.87
Closing costs + prepaids$10,459.45
Total buyer cash needed$166,724.31
Remaining funds due$166,724.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$650.25
Initial HOA (3 months)$996.00
Prepaid interest, first (4 days)$38.20
Fees + prepaids$10,459.45
Your down payment is the seller’s equity. You take over the $98,735 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $166,724.31 is due at closing. Uses and sources reconcile at $265,459.45 each. Not a Closing Disclosure.