Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,252Cash toward the purchase price.
Closing costs + prepaids$11,747Not just lender fees.
Before credits & paid funds$162,999The complete starting cash picture.
Estimated remaining funds due at closing
$162,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,252.13
Your down payment$151,252.13
Closing costs + prepaids$11,747.30
Total buyer cash needed$162,999.43
Remaining funds due$162,999.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$737.25
Prepaid interest, first (25 days)$536.05
Fees + prepaids$11,747.30
Your down payment is the seller’s equity. You take over the $273,648 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $162,999.43 is due at closing. Uses and sources reconcile at $436,647.30 each. Not a Closing Disclosure.