Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$144,369Cash toward the purchase price.
Closing costs + prepaids$8,858Not just lender fees.
Before credits & paid funds$153,227The complete starting cash picture.
Estimated remaining funds due at closing
$153,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,369.49
Your down payment$144,369.49
Closing costs + prepaids$8,857.98
Total buyer cash needed$153,227.47
Remaining funds due$153,227.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$204.00
Initial HOA (3 months)$696.00
Prepaid interest, first (7 days)$32.98
Fees + prepaids$8,857.98
Your down payment is the seller’s equity. You take over the $25,631 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $153,227.47 is due at closing. Uses and sources reconcile at $178,857.98 each. Not a Closing Disclosure.