Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$183,699Cash toward the purchase price.
Closing costs + prepaids$10,122Not just lender fees.
Before credits & paid funds$193,820The complete starting cash picture.
Estimated remaining funds due at closing
$193,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,698.67
Your down payment$183,698.67
Closing costs + prepaids$10,121.55
Total buyer cash needed$193,820.22
Remaining funds due$193,820.22
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)$491.00
Prepaid interest, first (24 days)$255.55
Fees + prepaids$10,121.55
Your down payment is the seller’s equity. You take over the $131,301 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $193,820.22 is due at closing. Uses and sources reconcile at $325,121.55 each. Not a Closing Disclosure.