Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$141,540Cash toward the purchase price.
Closing costs + prepaids$10,005Not just lender fees.
Before credits & paid funds$151,545The complete starting cash picture.
Estimated remaining funds due at closing
$151,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,539.61
Your down payment$141,539.61
Closing costs + prepaids$10,005.48
Total buyer cash needed$151,545.09
Remaining funds due$151,545.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$1,015.00
Prepaid interest, first (30 days)$315.48
Fees + prepaids$10,005.48
Your down payment is the seller’s equity. You take over the $103,460 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $151,545.09 is due at closing. Uses and sources reconcile at $255,005.48 each. Not a Closing Disclosure.