Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$149,207Cash toward the purchase price.
Closing costs + prepaids$10,757Not just lender fees.
Before credits & paid funds$159,964The complete starting cash picture.
Estimated remaining funds due at closing
$159,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,207.37
Your down payment$149,207.37
Closing costs + prepaids$10,756.52
Total buyer cash needed$159,963.89
Remaining funds due$159,963.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$337.25
Prepaid interest, first (2 days)$44.27
Fees + prepaids$10,756.52
Your down payment is the seller’s equity. You take over the $265,793 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $159,963.89 is due at closing. Uses and sources reconcile at $425,756.52 each. Not a Closing Disclosure.