Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$146,069Cash toward the purchase price.
Closing costs + prepaids$8,873Not just lender fees.
Before credits & paid funds$154,942The complete starting cash picture.
Estimated remaining funds due at closing
$154,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,069.50
Your down payment$146,069.50
Closing costs + prepaids$8,872.83
Total buyer cash needed$154,942.32
Remaining funds due$154,942.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$153.25
Prepaid interest, first (30 days)$244.58
Fees + prepaids$8,872.83
Your down payment is the seller’s equity. You take over the $78,931 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $154,942.32 is due at closing. Uses and sources reconcile at $233,872.83 each. Not a Closing Disclosure.