Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$167,274Cash toward the purchase price.
Closing costs + prepaids$8,787Not just lender fees.
Before credits & paid funds$176,061The complete starting cash picture.
Estimated remaining funds due at closing
$176,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,274.44
Your down payment$167,274.44
Closing costs + prepaids$8,786.67
Total buyer cash needed$176,061.11
Remaining funds due$176,061.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.90
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)$376.50
Prepaid interest, first (30 days)$185.27
Fees + prepaids$8,786.67
Your down payment is the seller’s equity. You take over the $32,716 balance, so the rest of the $199,990 price is paid at closing. A second mortgage can cover part of it. $176,061.11 is due at closing. Uses and sources reconcile at $208,776.67 each. Not a Closing Disclosure.