Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$149,424Cash toward the purchase price.
Closing costs + prepaids$9,274Not just lender fees.
Before credits & paid funds$158,699The complete starting cash picture.
Estimated remaining funds due at closing
$158,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,424.42
Your down payment$149,424.42
Closing costs + prepaids$9,274.31
Total buyer cash needed$158,698.73
Remaining funds due$158,698.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$325.00
Prepaid interest, first (12 days)$125.31
Fees + prepaids$9,274.31
Your down payment is the seller’s equity. You take over the $110,476 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $158,698.73 is due at closing. Uses and sources reconcile at $269,174.31 each. Not a Closing Disclosure.