Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$148,565Cash toward the purchase price.
Closing costs + prepaids$9,588Not just lender fees.
Before credits & paid funds$158,153The complete starting cash picture.
Estimated remaining funds due at closing
$158,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,565.48
Your down payment$148,565.48
Closing costs + prepaids$9,587.78
Total buyer cash needed$158,153.26
Remaining funds due$158,153.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$1,050.25
Prepaid interest, first (22 days)$163.53
Fees + prepaids$9,587.78
Your down payment is the seller’s equity. You take over the $66,335 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $158,153.26 is due at closing. Uses and sources reconcile at $224,487.78 each. Not a Closing Disclosure.