Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$157,204Cash toward the purchase price.
Closing costs + prepaids$9,448Not just lender fees.
Before credits & paid funds$166,652The complete starting cash picture.
Estimated remaining funds due at closing
$166,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,204.00
Your down payment$157,204.00
Closing costs + prepaids$9,448.33
Total buyer cash needed$166,652.33
Remaining funds due$166,652.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$330.00
Prepaid interest, first (12 days)$144.33
Fees + prepaids$9,448.33
Your down payment is the seller’s equity. You take over the $117,696 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $166,652.33 is due at closing. Uses and sources reconcile at $284,348.33 each. Not a Closing Disclosure.