Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$152,832Cash toward the purchase price.
Closing costs + prepaids$10,269Not just lender fees.
Before credits & paid funds$163,101The complete starting cash picture.
Estimated remaining funds due at closing
$163,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,832.02
Your down payment$152,832.02
Closing costs + prepaids$10,269.39
Total buyer cash needed$163,101.41
Remaining funds due$163,101.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$973.50
Prepaid interest, first (25 days)$321.89
Fees + prepaids$10,269.39
Your down payment is the seller’s equity. You take over the $122,068 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $163,101.41 is due at closing. Uses and sources reconcile at $285,169.39 each. Not a Closing Disclosure.