Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$148,565Cash toward the purchase price.
Closing costs + prepaids$9,640Not just lender fees.
Before credits & paid funds$158,205The complete starting cash picture.
Estimated remaining funds due at closing
$158,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,565.48
Your down payment$148,565.48
Closing costs + prepaids$9,639.81
Total buyer cash needed$158,205.29
Remaining funds due$158,205.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$1,050.25
Prepaid interest, first (29 days)$215.56
Fees + prepaids$9,639.81
Your down payment is the seller’s equity. You take over the $66,335 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $158,205.29 is due at closing. Uses and sources reconcile at $224,539.81 each. Not a Closing Disclosure.