Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$161,567Cash toward the purchase price.
Closing costs + prepaids$10,081Not just lender fees.
Before credits & paid funds$171,648The complete starting cash picture.
Estimated remaining funds due at closing
$171,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,567.41
Your down payment$161,567.41
Closing costs + prepaids$10,080.62
Total buyer cash needed$171,648.03
Remaining funds due$171,648.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,259.00
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)$112.00
Prepaid interest, first (26 days)$484.62
Fees + prepaids$10,080.62
Your down payment is the seller’s equity. You take over the $164,333 balance, so the rest of the $325,900 price is paid at closing. A second mortgage can cover part of it. $171,648.03 is due at closing. Uses and sources reconcile at $335,980.62 each. Not a Closing Disclosure.