Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$162,453Cash toward the purchase price.
Closing costs + prepaids$9,083Not just lender fees.
Before credits & paid funds$171,536The complete starting cash picture.
Estimated remaining funds due at closing
$171,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,453.22
Your down payment$162,453.22
Closing costs + prepaids$9,083.00
Total buyer cash needed$171,536.22
Remaining funds due$171,536.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,470.00
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)$296.50
Prepaid interest, first (10 days)$91.50
Fees + prepaids$9,083.00
Your down payment is the seller’s equity. You take over the $84,547 balance, so the rest of the $247,000 price is paid at closing. A second mortgage can cover part of it. $171,536.22 is due at closing. Uses and sources reconcile at $256,083.00 each. Not a Closing Disclosure.