Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$163,970Cash toward the purchase price.
Closing costs + prepaids$10,216Not just lender fees.
Before credits & paid funds$174,186The complete starting cash picture.
Estimated remaining funds due at closing
$174,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,969.99
Your down payment$163,969.99
Closing costs + prepaids$10,216.39
Total buyer cash needed$174,186.38
Remaining funds due$174,186.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,979.00
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)$775.50
Prepaid interest, first (24 days)$236.89
Fees + prepaids$10,216.39
Your down payment is the seller’s equity. You take over the $133,930 balance, so the rest of the $297,900 price is paid at closing. A second mortgage can cover part of it. $174,186.38 is due at closing. Uses and sources reconcile at $308,116.39 each. Not a Closing Disclosure.