Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$163,751Cash toward the purchase price.
Closing costs + prepaids$8,779Not just lender fees.
Before credits & paid funds$172,530The complete starting cash picture.
Estimated remaining funds due at closing
$172,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,751.36
Your down payment$163,751.36
Closing costs + prepaids$8,778.81
Total buyer cash needed$172,530.16
Remaining funds due$172,530.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,225.00
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)$267.00
Prepaid interest, first (10 days)$61.81
Fees + prepaids$8,778.81
Your down payment is the seller’s equity. You take over the $58,749 balance, so the rest of the $222,500 price is paid at closing. A second mortgage can cover part of it. $172,530.16 is due at closing. Uses and sources reconcile at $231,278.81 each. Not a Closing Disclosure.