Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$149,046Cash toward the purchase price.
Closing costs + prepaids$11,418Not just lender fees.
Before credits & paid funds$160,464The complete starting cash picture.
Estimated remaining funds due at closing
$160,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,045.79
Your down payment$149,045.79
Closing costs + prepaids$11,418.10
Total buyer cash needed$160,463.89
Remaining funds due$160,463.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,387.75
Prepaid interest, first (23 days)$415.35
Fees + prepaids$11,418.10
Your down payment is the seller’s equity. You take over the $189,954 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $160,463.89 is due at closing. Uses and sources reconcile at $350,418.10 each. Not a Closing Disclosure.