Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,071Cash toward the purchase price.
Closing costs + prepaids$10,657Not just lender fees.
Before credits & paid funds$158,728The complete starting cash picture.
Estimated remaining funds due at closing
$158,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,070.56
Your down payment$148,070.56
Closing costs + prepaids$10,657.18
Total buyer cash needed$158,727.75
Remaining funds due$158,727.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,545.00
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)$1,522.00
Prepaid interest, first (31 days)$365.18
Fees + prepaids$10,657.18
Your down payment is the seller’s equity. You take over the $106,429 balance, so the rest of the $254,500 price is paid at closing. A second mortgage can cover part of it. $158,727.75 is due at closing. Uses and sources reconcile at $265,157.18 each. Not a Closing Disclosure.