Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$156,357Cash toward the purchase price.
Closing costs + prepaids$11,187Not just lender fees.
Before credits & paid funds$167,544The complete starting cash picture.
Estimated remaining funds due at closing
$167,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,356.94
Your down payment$156,356.94
Closing costs + prepaids$11,187.18
Total buyer cash needed$167,544.11
Remaining funds due$167,544.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,270.00
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)$1,125.50
Prepaid interest, first (31 days)$566.68
Fees + prepaids$11,187.18
Your down payment is the seller’s equity. You take over the $170,643 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $167,544.11 is due at closing. Uses and sources reconcile at $338,187.18 each. Not a Closing Disclosure.