Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$152,487Cash toward the purchase price.
Closing costs + prepaids$8,827Not just lender fees.
Before credits & paid funds$161,313The complete starting cash picture.
Estimated remaining funds due at closing
$161,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,486.56
Your down payment$152,486.56
Closing costs + prepaids$8,826.75
Total buyer cash needed$161,313.31
Remaining funds due$161,313.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,130.00
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)$452.25
Prepaid interest, first (2 days)$19.50
Fees + prepaids$8,826.75
Your down payment is the seller’s equity. You take over the $60,513 balance, so the rest of the $213,000 price is paid at closing. A second mortgage can cover part of it. $161,313.31 is due at closing. Uses and sources reconcile at $221,826.75 each. Not a Closing Disclosure.