Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,963Cash toward the purchase price.
Closing costs + prepaids$11,112Not just lender fees.
Before credits & paid funds$168,075The complete starting cash picture.
Estimated remaining funds due at closing
$168,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,962.82
Your down payment$156,962.82
Closing costs + prepaids$11,111.86
Total buyer cash needed$168,074.68
Remaining funds due$168,074.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,185.00
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)$1,260.00
Prepaid interest, first (24 days)$441.86
Fees + prepaids$11,111.86
Your down payment is the seller’s equity. You take over the $161,537 balance, so the rest of the $318,500 price is paid at closing. A second mortgage can cover part of it. $168,074.68 is due at closing. Uses and sources reconcile at $329,611.86 each. Not a Closing Disclosure.