Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$158,572Cash toward the purchase price.
Closing costs + prepaids$8,881Not just lender fees.
Before credits & paid funds$167,454The complete starting cash picture.
Estimated remaining funds due at closing
$167,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,572.23
Your down payment$158,572.23
Closing costs + prepaids$8,881.34
Total buyer cash needed$167,453.57
Remaining funds due$167,453.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$337.50
Prepaid interest, first (27 days)$219.84
Fees + prepaids$8,881.34
Your down payment is the seller’s equity. You take over the $51,328 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $167,453.57 is due at closing. Uses and sources reconcile at $218,781.34 each. Not a Closing Disclosure.