Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$173,670Cash toward the purchase price.
Closing costs + prepaids$10,479Not just lender fees.
Before credits & paid funds$184,150The complete starting cash picture.
Estimated remaining funds due at closing
$184,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,670.16
Your down payment$173,670.16
Closing costs + prepaids$10,479.35
Total buyer cash needed$184,149.51
Remaining funds due$184,149.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$503.00
Initial HOA (3 months)$210.00
Prepaid interest, first (19 days)$242.35
Fees + prepaids$10,479.35
Your down payment is the seller’s equity. You take over the $156,230 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $184,149.51 is due at closing. Uses and sources reconcile at $340,379.35 each. Not a Closing Disclosure.