Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$154,891Cash toward the purchase price.
Closing costs + prepaids$9,950Not just lender fees.
Before credits & paid funds$164,841The complete starting cash picture.
Estimated remaining funds due at closing
$164,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,890.84
Your down payment$154,890.84
Closing costs + prepaids$9,950.34
Total buyer cash needed$164,841.18
Remaining funds due$164,841.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,840.00
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)$580.25
Prepaid interest, first (25 days)$305.09
Fees + prepaids$9,950.34
Your down payment is the seller’s equity. You take over the $129,109 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $164,841.18 is due at closing. Uses and sources reconcile at $293,950.34 each. Not a Closing Disclosure.