Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$153,624Cash toward the purchase price.
Closing costs + prepaids$9,440Not just lender fees.
Before credits & paid funds$163,064The complete starting cash picture.
Estimated remaining funds due at closing
$163,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,624.03
Your down payment$153,624.03
Closing costs + prepaids$9,439.90
Total buyer cash needed$163,063.92
Remaining funds due$163,063.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$337.50
Prepaid interest, first (14 days)$178.40
Fees + prepaids$9,439.90
Your down payment is the seller’s equity. You take over the $116,276 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $163,063.92 is due at closing. Uses and sources reconcile at $279,339.90 each. Not a Closing Disclosure.