Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$167,349Cash toward the purchase price.
Closing costs + prepaids$9,577Not just lender fees.
Before credits & paid funds$176,926The complete starting cash picture.
Estimated remaining funds due at closing
$176,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,348.72
Your down payment$167,348.72
Closing costs + prepaids$9,577.20
Total buyer cash needed$176,925.92
Remaining funds due$176,925.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$506.00
Prepaid interest, first (13 days)$147.20
Fees + prepaids$9,577.20
Your down payment is the seller’s equity. You take over the $102,551 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $176,925.92 is due at closing. Uses and sources reconcile at $279,477.20 each. Not a Closing Disclosure.