Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$153,628Cash toward the purchase price.
Closing costs + prepaids$9,583Not just lender fees.
Before credits & paid funds$163,211The complete starting cash picture.
Estimated remaining funds due at closing
$163,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,628.18
Your down payment$153,628.18
Closing costs + prepaids$9,582.61
Total buyer cash needed$163,210.79
Remaining funds due$163,210.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$469.25
Prepaid interest, first (27 days)$339.36
Fees + prepaids$9,582.61
Your down payment is the seller’s equity. You take over the $101,272 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $163,210.79 is due at closing. Uses and sources reconcile at $264,482.61 each. Not a Closing Disclosure.