Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$132,991Cash toward the purchase price.
Closing costs + prepaids$10,097Not just lender fees.
Before credits & paid funds$143,088The complete starting cash picture.
Estimated remaining funds due at closing
$143,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,990.98
Your down payment$132,990.98
Closing costs + prepaids$10,096.68
Total buyer cash needed$143,087.66
Remaining funds due$143,087.66
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)$323.75
Prepaid interest, first (30 days)$397.93
Fees + prepaids$10,096.68
Your down payment is the seller’s equity. You take over the $182,009 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $143,087.66 is due at closing. Uses and sources reconcile at $325,096.68 each. Not a Closing Disclosure.