Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$149,971Cash toward the purchase price.
Closing costs + prepaids$10,848Not just lender fees.
Before credits & paid funds$160,820The complete starting cash picture.
Estimated remaining funds due at closing
$160,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,971.31
Your down payment$149,971.31
Closing costs + prepaids$10,848.40
Total buyer cash needed$160,819.71
Remaining funds due$160,819.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.90
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)$809.75
Prepaid interest, first (23 days)$363.75
Fees + prepaids$10,848.40
Your down payment is the seller’s equity. You take over the $195,019 balance, so the rest of the $344,990 price is paid at closing. A second mortgage can cover part of it. $160,819.71 is due at closing. Uses and sources reconcile at $355,838.40 each. Not a Closing Disclosure.