Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$152,182Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$162,694The complete starting cash picture.
Estimated remaining funds due at closing
$162,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,181.75
Your down payment$152,181.75
Closing costs + prepaids$10,511.82
Total buyer cash needed$162,693.56
Remaining funds due$162,693.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,780.00
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)$1,129.50
Prepaid interest, first (26 days)$377.32
Fees + prepaids$10,511.82
Your down payment is the seller’s equity. You take over the $125,818 balance, so the rest of the $278,000 price is paid at closing. A second mortgage can cover part of it. $162,693.56 is due at closing. Uses and sources reconcile at $288,511.82 each. Not a Closing Disclosure.