Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$174,439Cash toward the purchase price.
Closing costs + prepaids$10,218Not just lender fees.
Before credits & paid funds$184,656The complete starting cash picture.
Estimated remaining funds due at closing
$184,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,438.58
Your down payment$174,438.58
Closing costs + prepaids$10,217.78
Total buyer cash needed$184,656.36
Remaining funds due$184,656.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$435.75
Prepaid interest, first (23 days)$408.03
Fees + prepaids$10,217.78
Your down payment is the seller’s equity. You take over the $140,461 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $184,656.36 is due at closing. Uses and sources reconcile at $325,117.78 each. Not a Closing Disclosure.