Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$144,158Cash toward the purchase price.
Closing costs + prepaids$9,243Not just lender fees.
Before credits & paid funds$153,401The complete starting cash picture.
Estimated remaining funds due at closing
$153,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,157.95
Your down payment$144,157.95
Closing costs + prepaids$9,243.05
Total buyer cash needed$153,401.00
Remaining funds due$153,401.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$265.50
Prepaid interest, first (23 days)$202.55
Fees + prepaids$9,243.05
Your down payment is the seller’s equity. You take over the $110,842 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $153,401.00 is due at closing. Uses and sources reconcile at $264,243.05 each. Not a Closing Disclosure.