Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$184,380Cash toward the purchase price.
Closing costs + prepaids$10,643Not just lender fees.
Before credits & paid funds$195,023The complete starting cash picture.
Estimated remaining funds due at closing
$195,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,379.99
Your down payment$184,379.99
Closing costs + prepaids$10,642.81
Total buyer cash needed$195,022.80
Remaining funds due$195,022.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$805.00
Prepaid interest, first (25 days)$363.81
Fees + prepaids$10,642.81
Your down payment is the seller’s equity. You take over the $140,520 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $195,022.80 is due at closing. Uses and sources reconcile at $335,542.81 each. Not a Closing Disclosure.