Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$149,811Cash toward the purchase price.
Closing costs + prepaids$11,094Not just lender fees.
Before credits & paid funds$160,905The complete starting cash picture.
Estimated remaining funds due at closing
$160,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,811.42
Your down payment$149,811.42
Closing costs + prepaids$11,093.87
Total buyer cash needed$160,905.29
Remaining funds due$160,905.29
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)$498.00
Prepaid interest, first (10 days)$220.87
Fees + prepaids$11,093.87
Your down payment is the seller’s equity. You take over the $265,189 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $160,905.29 is due at closing. Uses and sources reconcile at $426,093.87 each. Not a Closing Disclosure.