Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$144,954Cash toward the purchase price.
Closing costs + prepaids$10,507Not just lender fees.
Before credits & paid funds$155,461The complete starting cash picture.
Estimated remaining funds due at closing
$155,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,954.03
Your down payment$144,954.03
Closing costs + prepaids$10,506.91
Total buyer cash needed$155,460.94
Remaining funds due$155,460.94
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)$537.75
Initial HOA (3 months)$27.51
Prepaid interest, first (25 days)$517.65
Fees + prepaids$10,506.91
Your down payment is the seller’s equity. You take over the $174,946 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $155,460.94 is due at closing. Uses and sources reconcile at $330,406.91 each. Not a Closing Disclosure.