Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,554Cash toward the purchase price.
Closing costs + prepaids$10,193Not just lender fees.
Before credits & paid funds$178,747The complete starting cash picture.
Estimated remaining funds due at closing
$178,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,554.08
Your down payment$168,554.08
Closing costs + prepaids$10,192.84
Total buyer cash needed$178,746.92
Remaining funds due$178,746.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,145.00
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)$513.25
Initial HOA (3 months)$294.00
Prepaid interest, first (1 days)$15.59
Fees + prepaids$10,192.84
Your down payment is the seller’s equity. You take over the $145,946 balance, so the rest of the $314,500 price is paid at closing. A second mortgage can cover part of it. $178,746.92 is due at closing. Uses and sources reconcile at $324,692.84 each. Not a Closing Disclosure.