Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$163,935Cash toward the purchase price.
Closing costs + prepaids$11,815Not just lender fees.
Before credits & paid funds$175,749The complete starting cash picture.
Estimated remaining funds due at closing
$175,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,934.91
Your down payment$163,934.91
Closing costs + prepaids$11,814.59
Total buyer cash needed$175,749.50
Remaining funds due$175,749.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$554.25
Prepaid interest, first (30 days)$785.34
Fees + prepaids$11,814.59
Your down payment is the seller’s equity. You take over the $261,065 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $175,749.50 is due at closing. Uses and sources reconcile at $436,814.59 each. Not a Closing Disclosure.