Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$156,723Cash toward the purchase price.
Closing costs + prepaids$9,804Not just lender fees.
Before credits & paid funds$166,526The complete starting cash picture.
Estimated remaining funds due at closing
$166,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,722.54
Your down payment$156,722.54
Closing costs + prepaids$9,803.84
Total buyer cash needed$166,526.38
Remaining funds due$166,526.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.99
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)$509.50
Prepaid interest, first (27 days)$319.35
Fees + prepaids$9,803.84
Your down payment is the seller’s equity. You take over the $118,276 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $166,526.38 is due at closing. Uses and sources reconcile at $284,802.84 each. Not a Closing Disclosure.