Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$153,216Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$163,377The complete starting cash picture.
Estimated remaining funds due at closing
$163,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,215.73
Your down payment$153,215.73
Closing costs + prepaids$10,161.71
Total buyer cash needed$163,377.44
Remaining funds due$163,377.44
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)$228.00
Prepaid interest, first (9 days)$180.71
Fees + prepaids$10,161.71
Your down payment is the seller’s equity. You take over the $161,784 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $163,377.44 is due at closing. Uses and sources reconcile at $325,161.71 each. Not a Closing Disclosure.