Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$154,746Cash toward the purchase price.
Closing costs + prepaids$9,236Not just lender fees.
Before credits & paid funds$163,982The complete starting cash picture.
Estimated remaining funds due at closing
$163,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,746.21
Your down payment$154,746.21
Closing costs + prepaids$9,236.21
Total buyer cash needed$163,982.42
Remaining funds due$163,982.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$180.50
Prepaid interest, first (28 days)$280.71
Fees + prepaids$9,236.21
Your down payment is the seller’s equity. You take over the $100,254 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $163,982.42 is due at closing. Uses and sources reconcile at $264,236.21 each. Not a Closing Disclosure.