Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$168,496Cash toward the purchase price.
Closing costs + prepaids$9,975Not just lender fees.
Before credits & paid funds$178,471The complete starting cash picture.
Estimated remaining funds due at closing
$178,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,495.51
Your down payment$168,495.51
Closing costs + prepaids$9,975.33
Total buyer cash needed$178,470.83
Remaining funds due$178,470.83
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)$263.83
Fees + prepaids$9,975.33
Your down payment is the seller’s equity. You take over the $141,404 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $178,470.83 is due at closing. Uses and sources reconcile at $319,875.33 each. Not a Closing Disclosure.