Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,950Cash toward the purchase price.
Closing costs + prepaids$11,360Not just lender fees.
Before credits & paid funds$169,309The complete starting cash picture.
Estimated remaining funds due at closing
$169,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,949.51
Your down payment$157,949.51
Closing costs + prepaids$11,359.55
Total buyer cash needed$169,309.06
Remaining funds due$169,309.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,587.00
Initial HOA (3 months)$39.99
Prepaid interest, first (30 days)$357.56
Fees + prepaids$11,359.55
Your down payment is the seller’s equity. You take over the $157,050 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $169,309.06 is due at closing. Uses and sources reconcile at $326,359.55 each. Not a Closing Disclosure.