Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$152,587Cash toward the purchase price.
Closing costs + prepaids$10,474Not just lender fees.
Before credits & paid funds$163,061The complete starting cash picture.
Estimated remaining funds due at closing
$163,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,587.30
Your down payment$152,587.30
Closing costs + prepaids$10,474.04
Total buyer cash needed$163,061.34
Remaining funds due$163,061.34
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)$661.00
Prepaid interest, first (23 days)$389.04
Fees + prepaids$10,474.04
Your down payment is the seller’s equity. You take over the $167,313 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $163,061.34 is due at closing. Uses and sources reconcile at $330,374.04 each. Not a Closing Disclosure.