Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$141,439Cash toward the purchase price.
Closing costs + prepaids$9,881Not just lender fees.
Before credits & paid funds$151,320The complete starting cash picture.
Estimated remaining funds due at closing
$151,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,439.20
Your down payment$141,439.20
Closing costs + prepaids$9,880.59
Total buyer cash needed$151,319.79
Remaining funds due$151,319.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$1,419.75
Prepaid interest, first (29 days)$185.84
Fees + prepaids$9,880.59
Your down payment is the seller’s equity. You take over the $63,561 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $151,319.79 is due at closing. Uses and sources reconcile at $214,880.59 each. Not a Closing Disclosure.