Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,826Cash toward the purchase price.
Closing costs + prepaids$10,422Not just lender fees.
Before credits & paid funds$142,248The complete starting cash picture.
Estimated remaining funds due at closing
$142,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,826.26
Your down payment$131,826.26
Closing costs + prepaids$10,422.08
Total buyer cash needed$142,248.33
Remaining funds due$142,248.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.99
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)$1,335.00
Prepaid interest, first (1 days)$12.09
Fees + prepaids$10,422.08
Your down payment is the seller’s equity. You take over the $153,173 balance, so the rest of the $284,999 price is paid at closing. A second mortgage can cover part of it. $142,248.33 is due at closing. Uses and sources reconcile at $295,421.08 each. Not a Closing Disclosure.