Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,871Cash toward the purchase price.
Closing costs + prepaids$9,570Not just lender fees.
Before credits & paid funds$167,441The complete starting cash picture.
Estimated remaining funds due at closing
$167,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,871.14
Your down payment$157,871.14
Closing costs + prepaids$9,570.09
Total buyer cash needed$167,441.23
Remaining funds due$167,441.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.99
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)$361.25
Prepaid interest, first (30 days)$283.85
Fees + prepaids$9,570.09
Your down payment is the seller’s equity. You take over the $112,128 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $167,441.23 is due at closing. Uses and sources reconcile at $279,569.09 each. Not a Closing Disclosure.