Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$167,772Cash toward the purchase price.
Closing costs + prepaids$9,741Not just lender fees.
Before credits & paid funds$177,513The complete starting cash picture.
Estimated remaining funds due at closing
$177,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,772.18
Your down payment$167,772.18
Closing costs + prepaids$9,741.10
Total buyer cash needed$177,513.28
Remaining funds due$177,513.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$272.75
Prepaid interest, first (18 days)$244.35
Fees + prepaids$9,741.10
Your down payment is the seller’s equity. You take over the $132,128 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $177,513.28 is due at closing. Uses and sources reconcile at $309,641.10 each. Not a Closing Disclosure.