Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$147,687Cash toward the purchase price.
Closing costs + prepaids$9,219Not just lender fees.
Before credits & paid funds$156,906The complete starting cash picture.
Estimated remaining funds due at closing
$156,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,687.22
Your down payment$147,687.22
Closing costs + prepaids$9,218.61
Total buyer cash needed$156,905.83
Remaining funds due$156,905.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,494.50
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)$311.75
Prepaid interest, first (16 days)$187.36
Fees + prepaids$9,218.61
Your down payment is the seller’s equity. You take over the $101,763 balance, so the rest of the $249,450 price is paid at closing. A second mortgage can cover part of it. $156,905.83 is due at closing. Uses and sources reconcile at $258,668.61 each. Not a Closing Disclosure.