Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,349Cash toward the purchase price.
Closing costs + prepaids$9,939Not just lender fees.
Before credits & paid funds$166,288The complete starting cash picture.
Estimated remaining funds due at closing
$166,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,349.11
Your down payment$156,349.11
Closing costs + prepaids$9,938.65
Total buyer cash needed$166,287.76
Remaining funds due$166,287.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,145.00
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)$1,424.50
Prepaid interest, first (24 days)$144.15
Fees + prepaids$9,938.65
Your down payment is the seller’s equity. You take over the $58,151 balance, so the rest of the $214,500 price is paid at closing. A second mortgage can cover part of it. $166,287.76 is due at closing. Uses and sources reconcile at $224,438.65 each. Not a Closing Disclosure.