Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$143,177Cash toward the purchase price.
Closing costs + prepaids$10,066Not just lender fees.
Before credits & paid funds$153,243The complete starting cash picture.
Estimated remaining funds due at closing
$153,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,177.05
Your down payment$143,177.05
Closing costs + prepaids$10,066.03
Total buyer cash needed$153,243.08
Remaining funds due$153,243.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,279.00
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)$393.50
Prepaid interest, first (10 days)$168.53
Fees + prepaids$10,066.03
Your down payment is the seller’s equity. You take over the $184,723 balance, so the rest of the $327,900 price is paid at closing. A second mortgage can cover part of it. $153,243.08 is due at closing. Uses and sources reconcile at $337,966.03 each. Not a Closing Disclosure.