Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$167,476Cash toward the purchase price.
Closing costs + prepaids$10,344Not just lender fees.
Before credits & paid funds$177,820The complete starting cash picture.
Estimated remaining funds due at closing
$177,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,475.57
Your down payment$167,475.57
Closing costs + prepaids$10,344.15
Total buyer cash needed$177,819.72
Remaining funds due$177,819.72
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)$815.75
Prepaid interest, first (5 days)$104.40
Fees + prepaids$10,344.15
Your down payment is the seller’s equity. You take over the $152,424 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $177,819.72 is due at closing. Uses and sources reconcile at $330,244.15 each. Not a Closing Disclosure.