Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,760Cash toward the purchase price.
Closing costs + prepaids$11,412Not just lender fees.
Before credits & paid funds$160,172The complete starting cash picture.
Estimated remaining funds due at closing
$160,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,759.93
Your down payment$148,759.93
Closing costs + prepaids$11,412.35
Total buyer cash needed$160,172.29
Remaining funds due$160,172.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$902.00
Initial HOA (3 months)$780.00
Prepaid interest, first (31 days)$405.35
Fees + prepaids$11,412.35
Your down payment is the seller’s equity. You take over the $161,240 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $160,172.29 is due at closing. Uses and sources reconcile at $321,412.35 each. Not a Closing Disclosure.