Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,367Cash toward the purchase price.
Closing costs + prepaids$10,281Not just lender fees.
Before credits & paid funds$163,648The complete starting cash picture.
Estimated remaining funds due at closing
$163,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,367.36
Your down payment$153,367.36
Closing costs + prepaids$10,280.77
Total buyer cash needed$163,648.14
Remaining funds due$163,648.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,387.50
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)$1,534.00
Prepaid interest, first (28 days)$134.27
Fees + prepaids$10,280.77
Your down payment is the seller’s equity. You take over the $85,383 balance, so the rest of the $238,750 price is paid at closing. A second mortgage can cover part of it. $163,648.14 is due at closing. Uses and sources reconcile at $249,030.77 each. Not a Closing Disclosure.