Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,824Cash toward the purchase price.
Closing costs + prepaids$10,548Not just lender fees.
Before credits & paid funds$162,372The complete starting cash picture.
Estimated remaining funds due at closing
$162,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,823.96
Your down payment$151,823.96
Closing costs + prepaids$10,548.06
Total buyer cash needed$162,372.02
Remaining funds due$162,372.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,160.00
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)$733.50
Prepaid interest, first (25 days)$429.56
Fees + prepaids$10,548.06
Your down payment is the seller’s equity. You take over the $164,176 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $162,372.02 is due at closing. Uses and sources reconcile at $326,548.06 each. Not a Closing Disclosure.