Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$150,615Cash toward the purchase price.
Closing costs + prepaids$9,350Not just lender fees.
Before credits & paid funds$159,965The complete starting cash picture.
Estimated remaining funds due at closing
$159,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,614.83
Your down payment$150,614.83
Closing costs + prepaids$9,350.03
Total buyer cash needed$159,964.87
Remaining funds due$159,964.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$139.75
Prepaid interest, first (20 days)$286.28
Fees + prepaids$9,350.03
Your down payment is the seller’s equity. You take over the $119,285 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $159,964.87 is due at closing. Uses and sources reconcile at $279,250.03 each. Not a Closing Disclosure.