Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$148,452Cash toward the purchase price.
Closing costs + prepaids$9,738Not just lender fees.
Before credits & paid funds$158,191The complete starting cash picture.
Estimated remaining funds due at closing
$158,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,452.36
Your down payment$148,452.36
Closing costs + prepaids$9,738.40
Total buyer cash needed$158,190.75
Remaining funds due$158,190.75
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)$701.00
Prepaid interest, first (5 days)$63.40
Fees + prepaids$9,738.40
Your down payment is the seller’s equity. You take over the $126,448 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $158,190.75 is due at closing. Uses and sources reconcile at $284,638.40 each. Not a Closing Disclosure.