Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$161,567Cash toward the purchase price.
Closing costs + prepaids$10,174Not just lender fees.
Before credits & paid funds$171,741The complete starting cash picture.
Estimated remaining funds due at closing
$171,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,567.41
Your down payment$161,567.41
Closing costs + prepaids$10,173.82
Total buyer cash needed$171,741.23
Remaining funds due$171,741.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,259.00
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)$112.00
Prepaid interest, first (31 days)$577.82
Fees + prepaids$10,173.82
Your down payment is the seller’s equity. You take over the $164,333 balance, so the rest of the $325,900 price is paid at closing. A second mortgage can cover part of it. $171,741.23 is due at closing. Uses and sources reconcile at $336,073.82 each. Not a Closing Disclosure.