Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$156,947Cash toward the purchase price.
Closing costs + prepaids$9,731Not just lender fees.
Before credits & paid funds$166,678The complete starting cash picture.
Estimated remaining funds due at closing
$166,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,947.47
Your down payment$156,947.47
Closing costs + prepaids$9,730.88
Total buyer cash needed$166,678.35
Remaining funds due$166,678.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$361.25
Prepaid interest, first (17 days)$254.63
Fees + prepaids$9,730.88
Your down payment is the seller’s equity. You take over the $132,053 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $166,678.35 is due at closing. Uses and sources reconcile at $298,730.88 each. Not a Closing Disclosure.