Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$171,678Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$182,650The complete starting cash picture.
Estimated remaining funds due at closing
$182,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,677.56
Your down payment$171,677.56
Closing costs + prepaids$10,972.90
Total buyer cash needed$182,650.46
Remaining funds due$182,650.46
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)$805.25
Initial HOA (3 months)$300.00
Prepaid interest, first (25 days)$443.65
Fees + prepaids$10,972.90
Your down payment is the seller’s equity. You take over the $148,222 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $182,650.46 is due at closing. Uses and sources reconcile at $330,872.90 each. Not a Closing Disclosure.