Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$152,345Cash toward the purchase price.
Closing costs + prepaids$10,692Not just lender fees.
Before credits & paid funds$163,037The complete starting cash picture.
Estimated remaining funds due at closing
$163,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,345.06
Your down payment$152,345.06
Closing costs + prepaids$10,692.17
Total buyer cash needed$163,037.23
Remaining funds due$163,037.23
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)$606.50
Initial HOA (3 months)$270.00
Prepaid interest, first (27 days)$391.67
Fees + prepaids$10,692.17
Your down payment is the seller’s equity. You take over the $167,555 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $163,037.23 is due at closing. Uses and sources reconcile at $330,592.17 each. Not a Closing Disclosure.