Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,509Cash toward the purchase price.
Closing costs + prepaids$9,548Not just lender fees.
Before credits & paid funds$157,057The complete starting cash picture.
Estimated remaining funds due at closing
$157,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,508.74
Your down payment$147,508.74
Closing costs + prepaids$9,548.19
Total buyer cash needed$157,056.93
Remaining funds due$157,056.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$283.50
Prepaid interest, first (31 days)$539.69
Fees + prepaids$9,548.19
Your down payment is the seller’s equity. You take over the $102,491 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $157,056.93 is due at closing. Uses and sources reconcile at $259,548.19 each. Not a Closing Disclosure.