Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,077Cash toward the purchase price.
Closing costs + prepaids$10,157Not just lender fees.
Before credits & paid funds$154,234The complete starting cash picture.
Estimated remaining funds due at closing
$154,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,077.05
Your down payment$144,077.05
Closing costs + prepaids$10,156.53
Total buyer cash needed$154,233.58
Remaining funds due$154,233.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,288.00
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)$188.50
Prepaid interest, first (27 days)$455.03
Fees + prepaids$10,156.53
Your down payment is the seller’s equity. You take over the $184,723 balance, so the rest of the $328,800 price is paid at closing. A second mortgage can cover part of it. $154,233.58 is due at closing. Uses and sources reconcile at $338,956.53 each. Not a Closing Disclosure.