Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$181,281Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$191,660The complete starting cash picture.
Estimated remaining funds due at closing
$191,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,281.36
Your down payment$181,281.36
Closing costs + prepaids$10,378.41
Total buyer cash needed$191,659.76
Remaining funds due$191,659.76
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)$536.50
Prepaid interest, first (28 days)$417.91
Fees + prepaids$10,378.41
Your down payment is the seller’s equity. You take over the $138,619 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $191,659.76 is due at closing. Uses and sources reconcile at $330,278.41 each. Not a Closing Disclosure.