Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$154,055Cash toward the purchase price.
Closing costs + prepaids$8,544Not just lender fees.
Before credits & paid funds$162,599The complete starting cash picture.
Estimated remaining funds due at closing
$162,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,054.60
Your down payment$154,054.60
Closing costs + prepaids$8,544.40
Total buyer cash needed$162,599.00
Remaining funds due$162,599.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$206.00
Prepaid interest, first (2 days)$13.40
Fees + prepaids$8,544.40
Your down payment is the seller’s equity. You take over the $55,945 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $162,599.00 is due at closing. Uses and sources reconcile at $218,544.40 each. Not a Closing Disclosure.