Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,600Cash toward the purchase price.
Closing costs + prepaids$8,927Not just lender fees.
Before credits & paid funds$182,527The complete starting cash picture.
Estimated remaining funds due at closing
$182,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,600.14
Your down payment$173,600.14
Closing costs + prepaids$8,927.00
Total buyer cash needed$182,527.13
Remaining funds due$182,527.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$537.50
Prepaid interest, first (2 days)$14.50
Fees + prepaids$8,927.00
Your down payment is the seller’s equity. You take over the $41,400 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $182,527.13 is due at closing. Uses and sources reconcile at $223,927.00 each. Not a Closing Disclosure.