Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$144,012Cash toward the purchase price.
Closing costs + prepaids$10,651Not just lender fees.
Before credits & paid funds$154,663The complete starting cash picture.
Estimated remaining funds due at closing
$154,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,011.62
Your down payment$144,011.62
Closing costs + prepaids$10,651.14
Total buyer cash needed$154,662.76
Remaining funds due$154,662.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.50
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)$1,617.00
Prepaid interest, first (22 days)$209.64
Fees + prepaids$10,651.14
Your down payment is the seller’s equity. You take over the $115,938 balance, so the rest of the $259,950 price is paid at closing. A second mortgage can cover part of it. $154,662.76 is due at closing. Uses and sources reconcile at $270,601.14 each. Not a Closing Disclosure.