Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,093Cash toward the purchase price.
Closing costs + prepaids$9,437Not just lender fees.
Before credits & paid funds$160,530The complete starting cash picture.
Estimated remaining funds due at closing
$160,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,093.39
Your down payment$151,093.39
Closing costs + prepaids$9,436.90
Total buyer cash needed$160,530.29
Remaining funds due$160,530.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$610.75
Prepaid interest, first (25 days)$251.15
Fees + prepaids$9,436.90
Your down payment is the seller’s equity. You take over the $83,907 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $160,530.29 is due at closing. Uses and sources reconcile at $244,436.90 each. Not a Closing Disclosure.