Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$159,140Cash toward the purchase price.
Closing costs + prepaids$9,787Not just lender fees.
Before credits & paid funds$168,928The complete starting cash picture.
Estimated remaining funds due at closing
$168,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,140.16
Your down payment$159,140.16
Closing costs + prepaids$9,787.43
Total buyer cash needed$168,927.59
Remaining funds due$168,927.59
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)$221.25
Initial HOA (3 months)$735.00
Prepaid interest, first (30 days)$356.18
Fees + prepaids$9,787.43
Your down payment is the seller’s equity. You take over the $65,860 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $168,927.59 is due at closing. Uses and sources reconcile at $234,787.43 each. Not a Closing Disclosure.