Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$164,686Cash toward the purchase price.
Closing costs + prepaids$10,372Not just lender fees.
Before credits & paid funds$175,057The complete starting cash picture.
Estimated remaining funds due at closing
$175,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,685.65
Your down payment$164,685.65
Closing costs + prepaids$10,371.74
Total buyer cash needed$175,057.39
Remaining funds due$175,057.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$630.00
Prepaid interest, first (25 days)$417.74
Fees + prepaids$10,371.74
Your down payment is the seller’s equity. You take over the $145,214 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $175,057.39 is due at closing. Uses and sources reconcile at $320,271.74 each. Not a Closing Disclosure.