Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$148,106Cash toward the purchase price.
Closing costs + prepaids$8,891Not just lender fees.
Before credits & paid funds$156,997The complete starting cash picture.
Estimated remaining funds due at closing
$156,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,105.97
Your down payment$148,105.97
Closing costs + prepaids$8,890.70
Total buyer cash needed$156,996.66
Remaining funds due$156,996.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$263.50
Prepaid interest, first (25 days)$212.20
Fees + prepaids$8,890.70
Your down payment is the seller’s equity. You take over the $70,894 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $156,996.66 is due at closing. Uses and sources reconcile at $227,890.70 each. Not a Closing Disclosure.