Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$152,911Cash toward the purchase price.
Closing costs + prepaids$10,253Not just lender fees.
Before credits & paid funds$163,164The complete starting cash picture.
Estimated remaining funds due at closing
$163,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,911.30
Your down payment$152,911.30
Closing costs + prepaids$10,253.18
Total buyer cash needed$163,164.49
Remaining funds due$163,164.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$846.50
Prepaid interest, first (25 days)$332.68
Fees + prepaids$10,253.18
Your down payment is the seller’s equity. You take over the $131,989 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $163,164.49 is due at closing. Uses and sources reconcile at $295,153.18 each. Not a Closing Disclosure.