Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$154,326Cash toward the purchase price.
Closing costs + prepaids$10,126Not just lender fees.
Before credits & paid funds$164,452The complete starting cash picture.
Estimated remaining funds due at closing
$164,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,325.99
Your down payment$154,325.99
Closing costs + prepaids$10,126.37
Total buyer cash needed$164,452.36
Remaining funds due$164,452.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,311.00
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)$1,313.25
Prepaid interest, first (31 days)$277.12
Fees + prepaids$10,126.37
Your down payment is the seller’s equity. You take over the $76,774 balance, so the rest of the $231,100 price is paid at closing. A second mortgage can cover part of it. $164,452.36 is due at closing. Uses and sources reconcile at $241,226.37 each. Not a Closing Disclosure.