Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$148,641Cash toward the purchase price.
Closing costs + prepaids$11,136Not just lender fees.
Before credits & paid funds$159,777The complete starting cash picture.
Estimated remaining funds due at closing
$159,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,640.99
Your down payment$148,640.99
Closing costs + prepaids$11,136.33
Total buyer cash needed$159,777.31
Remaining funds due$159,777.31
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)$1,075.00
Prepaid interest, first (22 days)$446.33
Fees + prepaids$11,136.33
Your down payment is the seller’s equity. You take over the $190,359 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $159,777.31 is due at closing. Uses and sources reconcile at $350,136.33 each. Not a Closing Disclosure.