Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,861Cash toward the purchase price.
Closing costs + prepaids$8,918Not just lender fees.
Before credits & paid funds$156,778The complete starting cash picture.
Estimated remaining funds due at closing
$156,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,860.62
Your down payment$147,860.62
Closing costs + prepaids$8,917.62
Total buyer cash needed$156,778.24
Remaining funds due$156,778.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,260.00
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)$195.25
Prepaid interest, first (28 days)$237.37
Fees + prepaids$8,917.62
Your down payment is the seller’s equity. You take over the $78,139 balance, so the rest of the $226,000 price is paid at closing. A second mortgage can cover part of it. $156,778.24 is due at closing. Uses and sources reconcile at $234,917.62 each. Not a Closing Disclosure.