Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$163,537Cash toward the purchase price.
Closing costs + prepaids$9,808Not just lender fees.
Before credits & paid funds$173,345The complete starting cash picture.
Estimated remaining funds due at closing
$173,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,536.72
Your down payment$163,536.72
Closing costs + prepaids$9,808.41
Total buyer cash needed$173,345.13
Remaining funds due$173,345.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$177.25
Prepaid interest, first (28 days)$406.17
Fees + prepaids$9,808.41
Your down payment is the seller’s equity. You take over the $136,462 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $173,345.13 is due at closing. Uses and sources reconcile at $309,807.41 each. Not a Closing Disclosure.