Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,516Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$154,969The complete starting cash picture.
Estimated remaining funds due at closing
$154,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,515.87
Your down payment$144,515.87
Closing costs + prepaids$10,453.44
Total buyer cash needed$154,969.31
Remaining funds due$154,969.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$480.00
Prepaid interest, first (31 days)$499.44
Fees + prepaids$10,453.44
Your down payment is the seller’s equity. You take over the $180,384 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $154,969.31 is due at closing. Uses and sources reconcile at $335,353.44 each. Not a Closing Disclosure.