Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,109Cash toward the purchase price.
Closing costs + prepaids$9,486Not just lender fees.
Before credits & paid funds$165,594The complete starting cash picture.
Estimated remaining funds due at closing
$165,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,108.89
Your down payment$156,108.89
Closing costs + prepaids$9,485.58
Total buyer cash needed$165,594.46
Remaining funds due$165,594.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$329.25
Prepaid interest, first (23 days)$281.33
Fees + prepaids$9,485.58
Your down payment is the seller’s equity. You take over the $108,891 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $165,594.46 is due at closing. Uses and sources reconcile at $274,485.58 each. Not a Closing Disclosure.