Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,777Cash toward the purchase price.
Closing costs + prepaids$10,583Not just lender fees.
Before credits & paid funds$167,359The complete starting cash picture.
Estimated remaining funds due at closing
$167,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,776.82
Your down payment$156,776.82
Closing costs + prepaids$10,582.65
Total buyer cash needed$167,359.47
Remaining funds due$167,359.47
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)$929.75
Prepaid interest, first (28 days)$328.90
Fees + prepaids$10,582.65
Your down payment is the seller’s equity. You take over the $153,123 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $167,359.47 is due at closing. Uses and sources reconcile at $320,482.65 each. Not a Closing Disclosure.