Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$144,012Cash toward the purchase price.
Closing costs + prepaids$10,727Not just lender fees.
Before credits & paid funds$154,739The complete starting cash picture.
Estimated remaining funds due at closing
$154,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,011.62
Your down payment$144,011.62
Closing costs + prepaids$10,727.38
Total buyer cash needed$154,739.00
Remaining funds due$154,739.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.50
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)$1,617.00
Prepaid interest, first (30 days)$285.88
Fees + prepaids$10,727.38
Your down payment is the seller’s equity. You take over the $115,938 balance, so the rest of the $259,950 price is paid at closing. A second mortgage can cover part of it. $154,739.00 is due at closing. Uses and sources reconcile at $270,677.38 each. Not a Closing Disclosure.