Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,276Cash toward the purchase price.
Closing costs + prepaids$10,236Not just lender fees.
Before credits & paid funds$155,512The complete starting cash picture.
Estimated remaining funds due at closing
$155,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,276.05
Your down payment$145,276.05
Closing costs + prepaids$10,235.93
Total buyer cash needed$155,511.98
Remaining funds due$155,511.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$188.50
Prepaid interest, first (31 days)$522.44
Fees + prepaids$10,235.93
Your down payment is the seller’s equity. You take over the $184,723 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $155,511.98 is due at closing. Uses and sources reconcile at $340,234.93 each. Not a Closing Disclosure.