Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$171,785Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$181,751The complete starting cash picture.
Estimated remaining funds due at closing
$181,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,785.28
Your down payment$171,785.28
Closing costs + prepaids$9,965.54
Total buyer cash needed$181,750.82
Remaining funds due$181,750.82
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)$299.25
Prepaid interest, first (16 days)$291.29
Fees + prepaids$9,965.54
Your down payment is the seller’s equity. You take over the $143,215 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $181,750.82 is due at closing. Uses and sources reconcile at $324,965.54 each. Not a Closing Disclosure.