Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,947Cash toward the purchase price.
Closing costs + prepaids$9,741Not just lender fees.
Before credits & paid funds$166,689The complete starting cash picture.
Estimated remaining funds due at closing
$166,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,947.47
Your down payment$156,947.47
Closing costs + prepaids$9,741.13
Total buyer cash needed$166,688.60
Remaining funds due$166,688.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$206.75
Prepaid interest, first (28 days)$419.38
Fees + prepaids$9,741.13
Your down payment is the seller’s equity. You take over the $132,053 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $166,688.60 is due at closing. Uses and sources reconcile at $298,741.13 each. Not a Closing Disclosure.