Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$157,819Cash toward the purchase price.
Closing costs + prepaids$9,991Not just lender fees.
Before credits & paid funds$167,811The complete starting cash picture.
Estimated remaining funds due at closing
$167,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,819.50
Your down payment$157,819.50
Closing costs + prepaids$9,991.09
Total buyer cash needed$167,810.59
Remaining funds due$167,810.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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
Initial HOA (3 months)$99.00
Prepaid interest, first (10 days)$139.09
Fees + prepaids$9,991.09
Your down payment is the seller’s equity. You take over the $157,181 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $167,810.59 is due at closing. Uses and sources reconcile at $324,991.09 each. Not a Closing Disclosure.