Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,493Cash toward the purchase price.
Closing costs + prepaids$10,000Not just lender fees.
Before credits & paid funds$156,493The complete starting cash picture.
Estimated remaining funds due at closing
$156,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,492.64
Your down payment$146,492.64
Closing costs + prepaids$10,000.45
Total buyer cash needed$156,493.10
Remaining funds due$156,493.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$1,213.00
Prepaid interest, first (1 days)$13.45
Fees + prepaids$10,000.45
Your down payment is the seller’s equity. You take over the $108,407 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $156,493.10 is due at closing. Uses and sources reconcile at $264,900.45 each. Not a Closing Disclosure.