Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$154,340Cash toward the purchase price.
Closing costs + prepaids$10,712Not just lender fees.
Before credits & paid funds$165,052The complete starting cash picture.
Estimated remaining funds due at closing
$165,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,339.98
Your down payment$154,339.98
Closing costs + prepaids$10,712.48
Total buyer cash needed$165,052.46
Remaining funds due$165,052.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$921.25
Prepaid interest, first (23 days)$367.23
Fees + prepaids$10,712.48
Your down payment is the seller’s equity. You take over the $165,560 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $165,052.46 is due at closing. Uses and sources reconcile at $330,612.48 each. Not a Closing Disclosure.