Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,968Cash toward the purchase price.
Closing costs + prepaids$9,064Not just lender fees.
Before credits & paid funds$161,031The complete starting cash picture.
Estimated remaining funds due at closing
$161,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,967.90
Your down payment$151,967.90
Closing costs + prepaids$9,063.57
Total buyer cash needed$161,031.47
Remaining funds due$161,031.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,198.00
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)$431.50
Prepaid interest, first (25 days)$209.07
Fees + prepaids$9,063.57
Your down payment is the seller’s equity. You take over the $67,832 balance, so the rest of the $219,800 price is paid at closing. A second mortgage can cover part of it. $161,031.47 is due at closing. Uses and sources reconcile at $228,863.57 each. Not a Closing Disclosure.