Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$141,129Cash toward the purchase price.
Closing costs + prepaids$10,223Not just lender fees.
Before credits & paid funds$151,352The complete starting cash picture.
Estimated remaining funds due at closing
$151,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,128.53
Your down payment$141,128.53
Closing costs + prepaids$10,223.19
Total buyer cash needed$151,351.72
Remaining funds due$151,351.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$302.00
Prepaid interest, first (26 days)$546.19
Fees + prepaids$10,223.19
Your down payment is the seller’s equity. You take over the $173,871 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $151,351.72 is due at closing. Uses and sources reconcile at $325,223.19 each. Not a Closing Disclosure.