Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$162,750Cash toward the purchase price.
Closing costs + prepaids$8,468Not just lender fees.
Before credits & paid funds$171,218The complete starting cash picture.
Estimated remaining funds due at closing
$171,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,750.39
Your down payment$162,750.39
Closing costs + prepaids$8,467.59
Total buyer cash needed$171,217.97
Remaining funds due$171,217.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$142.50
Prepaid interest, first (2 days)$10.09
Fees + prepaids$8,467.59
Your down payment is the seller’s equity. You take over the $46,250 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $171,217.97 is due at closing. Uses and sources reconcile at $217,467.59 each. Not a Closing Disclosure.