Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$159,598Cash toward the purchase price.
Closing costs + prepaids$10,003Not just lender fees.
Before credits & paid funds$169,601The complete starting cash picture.
Estimated remaining funds due at closing
$169,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,598.02
Your down payment$159,598.02
Closing costs + prepaids$10,003.45
Total buyer cash needed$169,601.46
Remaining funds due$169,601.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$207.75
Prepaid interest, first (21 days)$280.70
Fees + prepaids$10,003.45
Your down payment is the seller’s equity. You take over the $169,402 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $169,601.46 is due at closing. Uses and sources reconcile at $339,003.45 each. Not a Closing Disclosure.