Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$146,367Cash toward the purchase price.
Closing costs + prepaids$8,937Not just lender fees.
Before credits & paid funds$155,304The complete starting cash picture.
Estimated remaining funds due at closing
$155,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,367.46
Your down payment$146,367.46
Closing costs + prepaids$8,936.71
Total buyer cash needed$155,304.16
Remaining funds due$155,304.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$195.75
Prepaid interest, first (24 days)$216.96
Fees + prepaids$8,936.71
Your down payment is the seller’s equity. You take over the $83,533 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $155,304.16 is due at closing. Uses and sources reconcile at $238,836.71 each. Not a Closing Disclosure.