Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$148,242Cash toward the purchase price.
Closing costs + prepaids$9,288Not just lender fees.
Before credits & paid funds$157,530The complete starting cash picture.
Estimated remaining funds due at closing
$157,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,242.28
Your down payment$148,242.28
Closing costs + prepaids$9,288.01
Total buyer cash needed$157,530.29
Remaining funds due$157,530.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,570.00
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)$1,446.25
Prepaid interest, first (29 days)$46.76
Fees + prepaids$9,288.01
Your down payment is the seller’s equity. You take over the $8,758 balance, so the rest of the $157,000 price is paid at closing. A second mortgage can cover part of it. $157,530.29 is due at closing. Uses and sources reconcile at $166,288.01 each. Not a Closing Disclosure.