Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,927Cash toward the purchase price.
Closing costs + prepaids$10,659Not just lender fees.
Before credits & paid funds$179,586The complete starting cash picture.
Estimated remaining funds due at closing
$179,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,926.80
Your down payment$168,926.80
Closing costs + prepaids$10,659.44
Total buyer cash needed$179,586.24
Remaining funds due$179,586.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,145.00
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)$513.25
Initial HOA (3 months)$294.00
Prepaid interest, first (31 days)$482.19
Fees + prepaids$10,659.44
Your down payment is the seller’s equity. You take over the $145,573 balance, so the rest of the $314,500 price is paid at closing. A second mortgage can cover part of it. $179,586.24 is due at closing. Uses and sources reconcile at $325,159.44 each. Not a Closing Disclosure.