Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$153,832Cash toward the purchase price.
Closing costs + prepaids$9,789Not just lender fees.
Before credits & paid funds$163,621The complete starting cash picture.
Estimated remaining funds due at closing
$163,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,832.04
Your down payment$153,832.04
Closing costs + prepaids$9,789.04
Total buyer cash needed$163,621.09
Remaining funds due$163,621.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$714.00
Prepaid interest, first (4 days)$50.05
Fees + prepaids$9,789.04
Your down payment is the seller’s equity. You take over the $126,167 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $163,621.09 is due at closing. Uses and sources reconcile at $289,788.04 each. Not a Closing Disclosure.