Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,760Cash toward the purchase price.
Closing costs + prepaids$11,878Not just lender fees.
Before credits & paid funds$194,638The complete starting cash picture.
Estimated remaining funds due at closing
$194,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,759.96
Your down payment$182,759.96
Closing costs + prepaids$11,877.66
Total buyer cash needed$194,637.61
Remaining funds due$194,637.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,395.50
Prepaid interest, first (31 days)$858.16
Fees + prepaids$11,877.66
Your down payment is the seller’s equity. You take over the $157,140 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $194,637.61 is due at closing. Uses and sources reconcile at $351,777.66 each. Not a Closing Disclosure.