Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$145,685Cash toward the purchase price.
Closing costs + prepaids$12,124Not just lender fees.
Before credits & paid funds$157,809The complete starting cash picture.
Estimated remaining funds due at closing
$157,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,684.74
Your down payment$145,684.74
Closing costs + prepaids$12,123.85
Total buyer cash needed$157,808.59
Remaining funds due$157,808.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,120.00
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)$2,431.00
Prepaid interest, first (22 days)$347.85
Fees + prepaids$12,123.85
Your down payment is the seller’s equity. You take over the $166,315 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $157,808.59 is due at closing. Uses and sources reconcile at $324,123.85 each. Not a Closing Disclosure.