Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$151,906Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$163,658The complete starting cash picture.
Estimated remaining funds due at closing
$163,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,905.97
Your down payment$151,905.97
Closing costs + prepaids$11,751.87
Total buyer cash needed$163,657.83
Remaining funds due$163,657.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$864.50
Initial HOA (3 months)$1,176.00
Prepaid interest, first (5 days)$96.37
Fees + prepaids$11,751.87
Your down payment is the seller’s equity. You take over the $187,094 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $163,657.83 is due at closing. Uses and sources reconcile at $350,751.87 each. Not a Closing Disclosure.