Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$133,192Cash toward the purchase price.
Closing costs + prepaids$7,934Not just lender fees.
Before credits & paid funds$141,126The complete starting cash picture.
Estimated remaining funds due at closing
$141,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,191.94
Your down payment$133,191.94
Closing costs + prepaids$7,933.64
Total buyer cash needed$141,125.58
Remaining funds due$141,125.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$187.50
Prepaid interest, first (17 days)$21.14
Fees + prepaids$7,933.64
Your down payment is the seller’s equity. You take over the $16,808 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $141,125.58 is due at closing. Uses and sources reconcile at $157,933.64 each. Not a Closing Disclosure.