Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$136,750Cash toward the purchase price.
Closing costs + prepaids$8,933Not just lender fees.
Before credits & paid funds$145,683The complete starting cash picture.
Estimated remaining funds due at closing
$145,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,749.75
Your down payment$136,749.75
Closing costs + prepaids$8,932.93
Total buyer cash needed$145,682.67
Remaining funds due$145,682.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$198.00
Initial HOA (3 months)$834.00
Prepaid interest, first (10 days)$25.93
Fees + prepaids$8,932.93
Your down payment is the seller’s equity. You take over the $28,250 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $145,682.67 is due at closing. Uses and sources reconcile at $173,932.93 each. Not a Closing Disclosure.