Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$175,185Cash toward the purchase price.
Closing costs + prepaids$10,686Not just lender fees.
Before credits & paid funds$185,871The complete starting cash picture.
Estimated remaining funds due at closing
$185,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,185.00
Your down payment$175,185.00
Closing costs + prepaids$10,685.56
Total buyer cash needed$185,870.56
Remaining funds due$185,870.56
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)$1,028.00
Prepaid interest, first (23 days)$432.57
Fees + prepaids$10,685.56
Your down payment is the seller’s equity. You take over the $124,814 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $185,870.56 is due at closing. Uses and sources reconcile at $310,684.56 each. Not a Closing Disclosure.