Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$142,427Cash toward the purchase price.
Closing costs + prepaids$10,400Not just lender fees.
Before credits & paid funds$152,828The complete starting cash picture.
Estimated remaining funds due at closing
$152,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,427.46
Your down payment$142,427.46
Closing costs + prepaids$10,400.05
Total buyer cash needed$152,827.50
Remaining funds due$152,827.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.90
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)$675.75
Prepaid interest, first (30 days)$399.40
Fees + prepaids$10,400.05
Your down payment is the seller’s equity. You take over the $167,563 balance, so the rest of the $309,990 price is paid at closing. A second mortgage can cover part of it. $152,827.50 is due at closing. Uses and sources reconcile at $320,390.05 each. Not a Closing Disclosure.