Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$152,317Cash toward the purchase price.
Closing costs + prepaids$10,955Not just lender fees.
Before credits & paid funds$163,272The complete starting cash picture.
Estimated remaining funds due at closing
$163,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,317.22
Your down payment$152,317.22
Closing costs + prepaids$10,955.04
Total buyer cash needed$163,272.26
Remaining funds due$163,272.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$961.50
Prepaid interest, first (23 days)$328.54
Fees + prepaids$10,955.04
Your down payment is the seller’s equity. You take over the $191,683 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $163,272.26 is due at closing. Uses and sources reconcile at $354,955.04 each. Not a Closing Disclosure.