Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$154,183Cash toward the purchase price.
Closing costs + prepaids$8,966Not just lender fees.
Before credits & paid funds$163,150The complete starting cash picture.
Estimated remaining funds due at closing
$163,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,183.14
Your down payment$154,183.14
Closing costs + prepaids$8,966.37
Total buyer cash needed$163,149.51
Remaining funds due$163,149.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$309.25
Prepaid interest, first (26 days)$233.12
Fees + prepaids$8,966.37
Your down payment is the seller’s equity. You take over the $65,717 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $163,149.51 is due at closing. Uses and sources reconcile at $228,866.37 each. Not a Closing Disclosure.