Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$167,099Cash toward the purchase price.
Closing costs + prepaids$9,676Not just lender fees.
Before credits & paid funds$176,775The complete starting cash picture.
Estimated remaining funds due at closing
$176,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,099.49
Your down payment$167,099.49
Closing costs + prepaids$9,675.74
Total buyer cash needed$176,775.23
Remaining funds due$176,775.23
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)$131.75
Initial HOA (3 months)$585.00
Prepaid interest, first (20 days)$183.99
Fees + prepaids$9,675.74
Your down payment is the seller’s equity. You take over the $87,901 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $176,775.23 is due at closing. Uses and sources reconcile at $264,675.74 each. Not a Closing Disclosure.