Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$165,336Cash toward the purchase price.
Closing costs + prepaids$9,841Not just lender fees.
Before credits & paid funds$175,177The complete starting cash picture.
Estimated remaining funds due at closing
$175,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,336.12
Your down payment$165,336.12
Closing costs + prepaids$9,841.16
Total buyer cash needed$175,177.28
Remaining funds due$175,177.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$554.00
Initial HOA (3 months)$390.00
Prepaid interest, first (27 days)$222.16
Fees + prepaids$9,841.16
Your down payment is the seller’s equity. You take over the $79,664 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $175,177.28 is due at closing. Uses and sources reconcile at $254,841.16 each. Not a Closing Disclosure.