Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$154,513Cash toward the purchase price.
Closing costs + prepaids$9,746Not just lender fees.
Before credits & paid funds$164,259The complete starting cash picture.
Estimated remaining funds due at closing
$164,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,513.31
Your down payment$154,513.31
Closing costs + prepaids$9,745.77
Total buyer cash needed$164,259.08
Remaining funds due$164,259.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$210.50
Prepaid interest, first (31 days)$361.27
Fees + prepaids$9,745.77
Your down payment is the seller’s equity. You take over the $140,387 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $164,259.08 is due at closing. Uses and sources reconcile at $304,645.77 each. Not a Closing Disclosure.