Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$142,224Cash toward the purchase price.
Closing costs + prepaids$8,671Not just lender fees.
Before credits & paid funds$150,895The complete starting cash picture.
Estimated remaining funds due at closing
$150,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,224.11
Your down payment$142,224.11
Closing costs + prepaids$8,671.07
Total buyer cash needed$150,895.18
Remaining funds due$150,895.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$147.25
Prepaid interest, first (24 days)$148.82
Fees + prepaids$8,671.07
Your down payment is the seller’s equity. You take over the $72,776 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $150,895.18 is due at closing. Uses and sources reconcile at $223,671.07 each. Not a Closing Disclosure.