Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$132,192Cash toward the purchase price.
Closing costs + prepaids$10,687Not just lender fees.
Before credits & paid funds$142,880The complete starting cash picture.
Estimated remaining funds due at closing
$142,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,192.39
Your down payment$132,192.39
Closing costs + prepaids$10,687.30
Total buyer cash needed$142,879.69
Remaining funds due$142,879.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.99
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)$1,335.00
Prepaid interest, first (23 days)$277.31
Fees + prepaids$10,687.30
Your down payment is the seller’s equity. You take over the $152,807 balance, so the rest of the $284,999 price is paid at closing. A second mortgage can cover part of it. $142,879.69 is due at closing. Uses and sources reconcile at $295,686.30 each. Not a Closing Disclosure.