Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$144,439Cash toward the purchase price.
Closing costs + prepaids$7,895Not just lender fees.
Before credits & paid funds$152,334The complete starting cash picture.
Estimated remaining funds due at closing
$152,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,438.97
Your down payment$144,438.97
Closing costs + prepaids$7,894.86
Total buyer cash needed$152,333.83
Remaining funds due$152,333.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$157.00
Prepaid interest, first (23 days)$12.86
Fees + prepaids$7,894.86
Your down payment is the seller’s equity. You take over the $5,561 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $152,333.83 is due at closing. Uses and sources reconcile at $157,894.86 each. Not a Closing Disclosure.