Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$151,850Cash toward the purchase price.
Closing costs + prepaids$10,641Not just lender fees.
Before credits & paid funds$162,491The complete starting cash picture.
Estimated remaining funds due at closing
$162,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,850.19
Your down payment$151,850.19
Closing costs + prepaids$10,640.82
Total buyer cash needed$162,491.01
Remaining funds due$162,491.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$961.50
Prepaid interest, first (1 days)$14.32
Fees + prepaids$10,640.82
Your down payment is the seller’s equity. You take over the $192,150 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $162,491.01 is due at closing. Uses and sources reconcile at $354,640.82 each. Not a Closing Disclosure.