Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$165,783Cash toward the purchase price.
Closing costs + prepaids$9,772Not just lender fees.
Before credits & paid funds$175,555The complete starting cash picture.
Estimated remaining funds due at closing
$175,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,782.87
Your down payment$165,782.87
Closing costs + prepaids$9,772.33
Total buyer cash needed$175,555.20
Remaining funds due$175,555.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,720.00
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)$305.00
Prepaid interest, first (31 days)$522.33
Fees + prepaids$9,772.33
Your down payment is the seller’s equity. You take over the $106,217 balance, so the rest of the $272,000 price is paid at closing. A second mortgage can cover part of it. $175,555.20 is due at closing. Uses and sources reconcile at $281,772.33 each. Not a Closing Disclosure.