Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$145,621Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$156,443The complete starting cash picture.
Estimated remaining funds due at closing
$156,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,620.72
Your down payment$145,620.72
Closing costs + prepaids$10,821.85
Total buyer cash needed$156,442.56
Remaining funds due$156,442.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.99
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)$321.50
Prepaid interest, first (29 days)$925.36
Fees + prepaids$10,821.85
Your down payment is the seller’s equity. You take over the $189,378 balance, so the rest of the $334,999 price is paid at closing. A second mortgage can cover part of it. $156,442.56 is due at closing. Uses and sources reconcile at $345,820.85 each. Not a Closing Disclosure.