Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$153,547Cash toward the purchase price.
Closing costs + prepaids$10,932Not just lender fees.
Before credits & paid funds$164,479The complete starting cash picture.
Estimated remaining funds due at closing
$164,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,547.44
Your down payment$153,547.44
Closing costs + prepaids$10,931.71
Total buyer cash needed$164,479.14
Remaining funds due$164,479.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$845.25
Prepaid interest, first (27 days)$512.46
Fees + prepaids$10,931.71
Your down payment is the seller’s equity. You take over the $181,353 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $164,479.14 is due at closing. Uses and sources reconcile at $345,831.71 each. Not a Closing Disclosure.