Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$147,934Cash toward the purchase price.
Closing costs + prepaids$10,913Not just lender fees.
Before credits & paid funds$158,847The complete starting cash picture.
Estimated remaining funds due at closing
$158,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,934.38
Your down payment$147,934.38
Closing costs + prepaids$10,912.86
Total buyer cash needed$158,847.24
Remaining funds due$158,847.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$829.00
Prepaid interest, first (23 days)$388.86
Fees + prepaids$10,912.86
Your down payment is the seller’s equity. You take over the $199,066 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $158,847.24 is due at closing. Uses and sources reconcile at $357,912.86 each. Not a Closing Disclosure.