Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$155,282Cash toward the purchase price.
Closing costs + prepaids$10,258Not just lender fees.
Before credits & paid funds$165,540The complete starting cash picture.
Estimated remaining funds due at closing
$165,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,282.12
Your down payment$155,282.12
Closing costs + prepaids$10,258.08
Total buyer cash needed$165,540.20
Remaining funds due$165,540.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,959.99
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)$740.00
Prepaid interest, first (24 days)$333.09
Fees + prepaids$10,258.08
Your down payment is the seller’s equity. You take over the $140,717 balance, so the rest of the $295,999 price is paid at closing. A second mortgage can cover part of it. $165,540.20 is due at closing. Uses and sources reconcile at $306,257.08 each. Not a Closing Disclosure.