Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$155,132Cash toward the purchase price.
Closing costs + prepaids$9,786Not just lender fees.
Before credits & paid funds$164,918The complete starting cash picture.
Estimated remaining funds due at closing
$164,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,131.91
Your down payment$155,131.91
Closing costs + prepaids$9,786.26
Total buyer cash needed$164,918.17
Remaining funds due$164,918.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$716.50
Prepaid interest, first (27 days)$294.76
Fees + prepaids$9,786.26
Your down payment is the seller’s equity. You take over the $99,868 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $164,918.17 is due at closing. Uses and sources reconcile at $264,786.26 each. Not a Closing Disclosure.