Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$148,355Cash toward the purchase price.
Closing costs + prepaids$10,614Not just lender fees.
Before credits & paid funds$158,970The complete starting cash picture.
Estimated remaining funds due at closing
$158,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,355.30
Your down payment$148,355.30
Closing costs + prepaids$10,614.34
Total buyer cash needed$158,969.64
Remaining funds due$158,969.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$831.75
Prepaid interest, first (22 days)$308.59
Fees + prepaids$10,614.34
Your down payment is the seller’s equity. You take over the $176,545 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $158,969.64 is due at closing. Uses and sources reconcile at $335,514.34 each. Not a Closing Disclosure.