Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$149,727Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$159,877The complete starting cash picture.
Estimated remaining funds due at closing
$159,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,727.42
Your down payment$149,727.42
Closing costs + prepaids$10,150.03
Total buyer cash needed$159,877.45
Remaining funds due$159,877.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,240.00
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)$405.00
Prepaid interest, first (17 days)$280.03
Fees + prepaids$10,150.03
Your down payment is the seller’s equity. You take over the $174,273 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $159,877.45 is due at closing. Uses and sources reconcile at $334,150.03 each. Not a Closing Disclosure.