Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$141,129Cash toward the purchase price.
Closing costs + prepaids$10,005Not just lender fees.
Before credits & paid funds$151,134The complete starting cash picture.
Estimated remaining funds due at closing
$151,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,128.53
Your down payment$141,128.53
Closing costs + prepaids$10,005.09
Total buyer cash needed$151,133.62
Remaining funds due$151,133.62
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)$378.00
Prepaid interest, first (12 days)$252.09
Fees + prepaids$10,005.09
Your down payment is the seller’s equity. You take over the $173,871 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $151,133.62 is due at closing. Uses and sources reconcile at $325,005.09 each. Not a Closing Disclosure.