Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$149,641Cash toward the purchase price.
Closing costs + prepaids$10,157Not just lender fees.
Before credits & paid funds$159,798The complete starting cash picture.
Estimated remaining funds due at closing
$159,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,641.30
Your down payment$149,641.30
Closing costs + prepaids$10,156.80
Total buyer cash needed$159,798.11
Remaining funds due$159,798.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,180.00
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)$1,571.75
Prepaid interest, first (22 days)$180.05
Fees + prepaids$10,156.80
Your down payment is the seller’s equity. You take over the $68,359 balance, so the rest of the $218,000 price is paid at closing. A second mortgage can cover part of it. $159,798.11 is due at closing. Uses and sources reconcile at $228,156.80 each. Not a Closing Disclosure.