Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,722Cash toward the purchase price.
Closing costs + prepaids$9,584Not just lender fees.
Before credits & paid funds$151,306The complete starting cash picture.
Estimated remaining funds due at closing
$151,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,722.13
Your down payment$141,722.13
Closing costs + prepaids$9,584.19
Total buyer cash needed$151,306.31
Remaining funds due$151,306.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$610.00
Prepaid interest, first (24 days)$249.19
Fees + prepaids$9,584.19
Your down payment is the seller’s equity. You take over the $108,278 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $151,306.31 is due at closing. Uses and sources reconcile at $259,584.19 each. Not a Closing Disclosure.