Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$150,789Cash toward the purchase price.
Closing costs + prepaids$10,163Not just lender fees.
Before credits & paid funds$160,952The complete starting cash picture.
Estimated remaining funds due at closing
$160,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,789.18
Your down payment$150,789.18
Closing costs + prepaids$10,163.13
Total buyer cash needed$160,952.31
Remaining funds due$160,952.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$355.50
Prepaid interest, first (23 days)$383.63
Fees + prepaids$10,163.13
Your down payment is the seller’s equity. You take over the $169,111 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $160,952.31 is due at closing. Uses and sources reconcile at $330,063.13 each. Not a Closing Disclosure.