Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$181,021Cash toward the purchase price.
Closing costs + prepaids$10,625Not just lender fees.
Before credits & paid funds$191,647The complete starting cash picture.
Estimated remaining funds due at closing
$191,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,021.31
Your down payment$181,021.31
Closing costs + prepaids$10,625.46
Total buyer cash needed$191,646.77
Remaining funds due$191,646.77
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)$725.75
Prepaid interest, first (22 days)$284.71
Fees + prepaids$10,625.46
Your down payment is the seller’s equity. You take over the $157,979 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $191,646.77 is due at closing. Uses and sources reconcile at $349,625.46 each. Not a Closing Disclosure.