Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,340Cash toward the purchase price.
Closing costs + prepaids$10,694Not just lender fees.
Before credits & paid funds$160,034The complete starting cash picture.
Estimated remaining funds due at closing
$160,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,339.98
Your down payment$149,339.98
Closing costs + prepaids$10,694.41
Total buyer cash needed$160,034.39
Remaining funds due$160,034.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$921.25
Prepaid interest, first (25 days)$399.16
Fees + prepaids$10,694.41
Your down payment is the seller’s equity. You take over the $165,560 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $160,034.39 is due at closing. Uses and sources reconcile at $325,594.41 each. Not a Closing Disclosure.