Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$163,135Cash toward the purchase price.
Closing costs + prepaids$9,980Not just lender fees.
Before credits & paid funds$173,115The complete starting cash picture.
Estimated remaining funds due at closing
$173,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,135.21
Your down payment$163,135.21
Closing costs + prepaids$9,979.90
Total buyer cash needed$173,115.11
Remaining funds due$173,115.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$387.50
Prepaid interest, first (15 days)$268.40
Fees + prepaids$9,979.90
Your down payment is the seller’s equity. You take over the $146,765 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $173,115.11 is due at closing. Uses and sources reconcile at $319,879.90 each. Not a Closing Disclosure.