Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$172,227Cash toward the purchase price.
Closing costs + prepaids$8,733Not just lender fees.
Before credits & paid funds$180,960The complete starting cash picture.
Estimated remaining funds due at closing
$180,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,227.44
Your down payment$172,227.44
Closing costs + prepaids$8,733.06
Total buyer cash needed$180,960.50
Remaining funds due$180,960.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$190.00
Prepaid interest, first (2 days)$19.06
Fees + prepaids$8,733.06
Your down payment is the seller’s equity. You take over the $57,673 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $180,960.50 is due at closing. Uses and sources reconcile at $238,633.06 each. Not a Closing Disclosure.