Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,317Cash toward the purchase price.
Closing costs + prepaids$8,914Not just lender fees.
Before credits & paid funds$176,231The complete starting cash picture.
Estimated remaining funds due at closing
$176,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,316.51
Your down payment$167,316.51
Closing costs + prepaids$8,914.27
Total buyer cash needed$176,230.79
Remaining funds due$176,230.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$429.00
Prepaid interest, first (2 days)$10.27
Fees + prepaids$8,914.27
Your down payment is the seller’s equity. You take over the $57,683 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $176,230.79 is due at closing. Uses and sources reconcile at $233,914.27 each. Not a Closing Disclosure.