Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$152,049Cash toward the purchase price.
Closing costs + prepaids$9,731Not just lender fees.
Before credits & paid funds$161,780The complete starting cash picture.
Estimated remaining funds due at closing
$161,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,049.45
Your down payment$152,049.45
Closing costs + prepaids$9,730.80
Total buyer cash needed$161,780.25
Remaining funds due$161,780.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$730.00
Prepaid interest, first (25 days)$276.80
Fees + prepaids$9,730.80
Your down payment is the seller’s equity. You take over the $97,851 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $161,780.25 is due at closing. Uses and sources reconcile at $259,630.80 each. Not a Closing Disclosure.