Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$180,892Cash toward the purchase price.
Closing costs + prepaids$10,542Not just lender fees.
Before credits & paid funds$191,433The complete starting cash picture.
Estimated remaining funds due at closing
$191,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,891.57
Your down payment$180,891.57
Closing costs + prepaids$10,541.75
Total buyer cash needed$191,433.32
Remaining funds due$191,433.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$787.50
Prepaid interest, first (26 days)$379.25
Fees + prepaids$10,541.75
Your down payment is the seller’s equity. You take over the $134,108 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $191,433.32 is due at closing. Uses and sources reconcile at $325,541.75 each. Not a Closing Disclosure.