Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$151,689Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$162,043The complete starting cash picture.
Estimated remaining funds due at closing
$162,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,689.20
Your down payment$151,689.20
Closing costs + prepaids$10,353.66
Total buyer cash needed$162,042.85
Remaining funds due$162,042.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$657.50
Initial HOA (3 months)$939.00
Prepaid interest, first (2 days)$32.16
Fees + prepaids$10,353.66
Your down payment is the seller’s equity. You take over the $98,311 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $162,042.85 is due at closing. Uses and sources reconcile at $260,353.66 each. Not a Closing Disclosure.