Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$143,217Cash toward the purchase price.
Closing costs + prepaids$10,121Not just lender fees.
Before credits & paid funds$153,338The complete starting cash picture.
Estimated remaining funds due at closing
$153,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,217.36
Your down payment$143,217.36
Closing costs + prepaids$10,120.88
Total buyer cash needed$153,338.24
Remaining funds due$153,338.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$384.00
Initial HOA (3 months)$180.00
Prepaid interest, first (9 days)$132.88
Fees + prepaids$10,120.88
Your down payment is the seller’s equity. You take over the $176,683 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $153,338.24 is due at closing. Uses and sources reconcile at $330,020.88 each. Not a Closing Disclosure.