Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$176,747Cash toward the purchase price.
Closing costs + prepaids$10,187Not just lender fees.
Before credits & paid funds$186,934The complete starting cash picture.
Estimated remaining funds due at closing
$186,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,747.33
Your down payment$176,747.33
Closing costs + prepaids$10,186.62
Total buyer cash needed$186,933.95
Remaining funds due$186,933.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$287.50
Prepaid interest, first (30 days)$375.12
Fees + prepaids$10,186.62
Your down payment is the seller’s equity. You take over the $153,153 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $186,933.95 is due at closing. Uses and sources reconcile at $340,086.62 each. Not a Closing Disclosure.