Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$144,678Cash toward the purchase price.
Closing costs + prepaids$10,130Not just lender fees.
Before credits & paid funds$154,808The complete starting cash picture.
Estimated remaining funds due at closing
$154,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,677.94
Your down payment$144,677.94
Closing costs + prepaids$10,129.91
Total buyer cash needed$154,807.84
Remaining funds due$154,807.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$1,044.75
Prepaid interest, first (29 days)$361.16
Fees + prepaids$10,129.91
Your down payment is the seller’s equity. You take over the $105,222 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $154,807.84 is due at closing. Uses and sources reconcile at $260,029.91 each. Not a Closing Disclosure.