Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$138,497Cash toward the purchase price.
Closing costs + prepaids$10,418Not just lender fees.
Before credits & paid funds$148,915The complete starting cash picture.
Estimated remaining funds due at closing
$148,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,497.01
Your down payment$138,497.01
Closing costs + prepaids$10,417.60
Total buyer cash needed$148,914.61
Remaining funds due$148,914.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$583.00
Prepaid interest, first (23 days)$360.60
Fees + prepaids$10,417.60
Your down payment is the seller’s equity. You take over the $186,403 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $148,914.61 is due at closing. Uses and sources reconcile at $335,317.60 each. Not a Closing Disclosure.