Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$166,437Cash toward the purchase price.
Closing costs + prepaids$12,225Not just lender fees.
Before credits & paid funds$178,661The complete starting cash picture.
Estimated remaining funds due at closing
$178,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,436.61
Your down payment$166,436.61
Closing costs + prepaids$12,224.61
Total buyer cash needed$178,661.21
Remaining funds due$178,661.21
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)$897.50
Initial HOA (3 months)$1,767.00
Prepaid interest, first (24 days)$336.11
Fees + prepaids$12,224.61
Your down payment is the seller’s equity. You take over the $133,463 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $178,661.21 is due at closing. Uses and sources reconcile at $312,124.61 each. Not a Closing Disclosure.