Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$152,345Cash toward the purchase price.
Closing costs + prepaids$10,576Not just lender fees.
Before credits & paid funds$162,921The complete starting cash picture.
Estimated remaining funds due at closing
$162,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,345.06
Your down payment$152,345.06
Closing costs + prepaids$10,576.12
Total buyer cash needed$162,921.18
Remaining funds due$162,921.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$606.50
Initial HOA (3 months)$270.00
Prepaid interest, first (19 days)$275.62
Fees + prepaids$10,576.12
Your down payment is the seller’s equity. You take over the $167,555 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $162,921.18 is due at closing. Uses and sources reconcile at $330,476.12 each. Not a Closing Disclosure.