Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$156,357Cash toward the purchase price.
Closing costs + prepaids$11,023Not just lender fees.
Before credits & paid funds$167,380The complete starting cash picture.
Estimated remaining funds due at closing
$167,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,356.94
Your down payment$156,356.94
Closing costs + prepaids$11,022.66
Total buyer cash needed$167,379.59
Remaining funds due$167,379.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,270.00
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)$1,125.50
Prepaid interest, first (22 days)$402.16
Fees + prepaids$11,022.66
Your down payment is the seller’s equity. You take over the $170,643 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $167,379.59 is due at closing. Uses and sources reconcile at $338,022.66 each. Not a Closing Disclosure.