Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$145,824Cash toward the purchase price.
Closing costs + prepaids$8,645Not just lender fees.
Before credits & paid funds$154,468The complete starting cash picture.
Estimated remaining funds due at closing
$154,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,823.88
Your down payment$145,823.88
Closing costs + prepaids$8,644.61
Total buyer cash needed$154,468.49
Remaining funds due$154,468.49
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 (2 days)$16.36
Fees + prepaids$8,644.61
Your down payment is the seller’s equity. You take over the $79,176 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $154,468.49 is due at closing. Uses and sources reconcile at $233,644.61 each. Not a Closing Disclosure.