Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$148,300Cash toward the purchase price.
Closing costs + prepaids$9,631Not just lender fees.
Before credits & paid funds$157,932The complete starting cash picture.
Estimated remaining funds due at closing
$157,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,300.34
Your down payment$148,300.34
Closing costs + prepaids$9,631.22
Total buyer cash needed$157,931.56
Remaining funds due$157,931.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$743.75
Prepaid interest, first (1 days)$12.47
Fees + prepaids$9,631.22
Your down payment is the seller’s equity. You take over the $116,700 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $157,931.56 is due at closing. Uses and sources reconcile at $274,631.22 each. Not a Closing Disclosure.