Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$177,772Cash toward the purchase price.
Closing costs + prepaids$9,979Not just lender fees.
Before credits & paid funds$187,751The complete starting cash picture.
Estimated remaining funds due at closing
$187,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,772.23
Your down payment$177,772.23
Closing costs + prepaids$9,978.69
Total buyer cash needed$187,750.92
Remaining funds due$187,750.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$393.75
Prepaid interest, first (16 days)$209.94
Fees + prepaids$9,978.69
Your down payment is the seller’s equity. You take over the $137,228 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $187,750.92 is due at closing. Uses and sources reconcile at $324,978.69 each. Not a Closing Disclosure.