Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$158,562Cash toward the purchase price.
Closing costs + prepaids$9,894Not just lender fees.
Before credits & paid funds$168,456The complete starting cash picture.
Estimated remaining funds due at closing
$168,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,562.09
Your down payment$158,562.09
Closing costs + prepaids$9,893.77
Total buyer cash needed$168,455.87
Remaining funds due$168,455.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$378.00
Prepaid interest, first (10 days)$141.77
Fees + prepaids$9,893.77
Your down payment is the seller’s equity. You take over the $156,338 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $168,455.87 is due at closing. Uses and sources reconcile at $324,793.77 each. Not a Closing Disclosure.