Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,727Cash toward the purchase price.
Closing costs + prepaids$10,326Not just lender fees.
Before credits & paid funds$160,053The complete starting cash picture.
Estimated remaining funds due at closing
$160,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,727.42
Your down payment$149,727.42
Closing costs + prepaids$10,325.75
Total buyer cash needed$160,053.17
Remaining funds due$160,053.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,240.00
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)$416.00
Prepaid interest, first (27 days)$444.75
Fees + prepaids$10,325.75
Your down payment is the seller’s equity. You take over the $174,273 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $160,053.17 is due at closing. Uses and sources reconcile at $334,325.75 each. Not a Closing Disclosure.