Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$144,448Cash toward the purchase price.
Closing costs + prepaids$11,656Not just lender fees.
Before credits & paid funds$156,104The complete starting cash picture.
Estimated remaining funds due at closing
$156,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,447.63
Your down payment$144,447.63
Closing costs + prepaids$11,656.19
Total buyer cash needed$156,103.82
Remaining funds due$156,103.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.50
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)$1,904.25
Prepaid interest, first (30 days)$327.44
Fees + prepaids$11,656.19
Your down payment is the seller’s equity. You take over the $175,502 balance, so the rest of the $319,950 price is paid at closing. A second mortgage can cover part of it. $156,103.82 is due at closing. Uses and sources reconcile at $331,606.19 each. Not a Closing Disclosure.