Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$149,545Cash toward the purchase price.
Closing costs + prepaids$9,799Not just lender fees.
Before credits & paid funds$159,344The complete starting cash picture.
Estimated remaining funds due at closing
$159,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,544.99
Your down payment$149,544.99
Closing costs + prepaids$9,798.60
Total buyer cash needed$159,343.60
Remaining funds due$159,343.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.99
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)$1,345.75
Prepaid interest, first (26 days)$77.86
Fees + prepaids$9,798.60
Your down payment is the seller’s equity. You take over the $65,454 balance, so the rest of the $214,999 price is paid at closing. A second mortgage can cover part of it. $159,343.60 is due at closing. Uses and sources reconcile at $224,797.60 each. Not a Closing Disclosure.