Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$133,765Cash toward the purchase price.
Closing costs + prepaids$10,577Not just lender fees.
Before credits & paid funds$144,342The complete starting cash picture.
Estimated remaining funds due at closing
$144,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,764.75
Your down payment$133,764.75
Closing costs + prepaids$10,577.13
Total buyer cash needed$144,341.88
Remaining funds due$144,341.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$1,085.75
Prepaid interest, first (24 days)$417.38
Fees + prepaids$10,577.13
Your down payment is the seller’s equity. You take over the $151,135 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $144,341.88 is due at closing. Uses and sources reconcile at $295,477.13 each. Not a Closing Disclosure.