Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$159,885Cash toward the purchase price.
Closing costs + prepaids$9,364Not just lender fees.
Before credits & paid funds$169,249The complete starting cash picture.
Estimated remaining funds due at closing
$169,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,885.15
Your down payment$159,885.15
Closing costs + prepaids$9,364.15
Total buyer cash needed$169,249.30
Remaining funds due$169,249.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$548.00
Prepaid interest, first (27 days)$241.15
Fees + prepaids$9,364.15
Your down payment is the seller’s equity. You take over the $75,115 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $169,249.30 is due at closing. Uses and sources reconcile at $244,364.15 each. Not a Closing Disclosure.