Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$142,316Cash toward the purchase price.
Closing costs + prepaids$10,452Not just lender fees.
Before credits & paid funds$152,768The complete starting cash picture.
Estimated remaining funds due at closing
$152,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,315.92
Your down payment$142,315.92
Closing costs + prepaids$10,451.83
Total buyer cash needed$152,767.76
Remaining funds due$152,767.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,474.00
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)$434.25
Prepaid interest, first (18 days)$318.58
Fees + prepaids$10,451.83
Your down payment is the seller’s equity. You take over the $205,084 balance, so the rest of the $347,400 price is paid at closing. A second mortgage can cover part of it. $152,767.76 is due at closing. Uses and sources reconcile at $357,851.83 each. Not a Closing Disclosure.