Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,086Cash toward the purchase price.
Closing costs + prepaids$10,188Not just lender fees.
Before credits & paid funds$158,275The complete starting cash picture.
Estimated remaining funds due at closing
$158,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,086.17
Your down payment$148,086.17
Closing costs + prepaids$10,188.43
Total buyer cash needed$158,274.59
Remaining funds due$158,274.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$583.00
Prepaid interest, first (2 days)$31.43
Fees + prepaids$10,188.43
Your down payment is the seller’s equity. You take over the $186,814 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $158,274.59 is due at closing. Uses and sources reconcile at $345,088.43 each. Not a Closing Disclosure.