Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$83,036Cash toward the purchase price.
Closing costs + prepaids$9,149Not just lender fees.
Before credits & paid funds$92,185The complete starting cash picture.
Estimated remaining funds due at closing
$92,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,035.98
Your down payment$83,035.98
Closing costs + prepaids$9,149.06
Total buyer cash needed$92,185.03
Remaining funds due$92,185.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$300.00
Prepaid interest, first (6 days)$124.06
Fees + prepaids$9,149.06
Your down payment is the seller’s equity. You take over the $166,964 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $92,185.03 is due at closing. Uses and sources reconcile at $259,149.06 each. Not a Closing Disclosure.