Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$144,066Cash toward the purchase price.
Closing costs + prepaids$10,546Not just lender fees.
Before credits & paid funds$154,612The complete starting cash picture.
Estimated remaining funds due at closing
$154,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,066.47
Your down payment$144,066.47
Closing costs + prepaids$10,545.96
Total buyer cash needed$154,612.44
Remaining funds due$154,612.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,469.89
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)$416.50
Initial HOA (3 months)$255.00
Prepaid interest, first (10 days)$179.57
Fees + prepaids$10,545.96
Your down payment is the seller’s equity. You take over the $202,923 balance, so the rest of the $346,989 price is paid at closing. A second mortgage can cover part of it. $154,612.44 is due at closing. Uses and sources reconcile at $357,534.96 each. Not a Closing Disclosure.