Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$170,277Cash toward the purchase price.
Closing costs + prepaids$10,522Not just lender fees.
Before credits & paid funds$180,799The complete starting cash picture.
Estimated remaining funds due at closing
$180,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,277.39
Your down payment$170,277.39
Closing costs + prepaids$10,522.01
Total buyer cash needed$180,799.40
Remaining funds due$180,799.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,510.00
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)$301.25
Initial HOA (3 months)$1,395.00
Prepaid interest, first (12 days)$90.76
Fees + prepaids$10,522.01
Your down payment is the seller’s equity. You take over the $80,723 balance, so the rest of the $251,000 price is paid at closing. A second mortgage can cover part of it. $180,799.40 is due at closing. Uses and sources reconcile at $261,522.01 each. Not a Closing Disclosure.