Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$168,927Cash toward the purchase price.
Closing costs + prepaids$10,181Not just lender fees.
Before credits & paid funds$179,108The complete starting cash picture.
Estimated remaining funds due at closing
$179,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,926.80
Your down payment$168,926.80
Closing costs + prepaids$10,181.49
Total buyer cash needed$179,108.29
Remaining funds due$179,108.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,145.00
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)$377.50
Initial HOA (3 months)$294.00
Prepaid interest, first (9 days)$139.99
Fees + prepaids$10,181.49
Your down payment is the seller’s equity. You take over the $145,573 balance, so the rest of the $314,500 price is paid at closing. A second mortgage can cover part of it. $179,108.29 is due at closing. Uses and sources reconcile at $324,681.49 each. Not a Closing Disclosure.