Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$156,080Cash toward the purchase price.
Closing costs + prepaids$10,364Not just lender fees.
Before credits & paid funds$166,444The complete starting cash picture.
Estimated remaining funds due at closing
$166,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,079.60
Your down payment$156,079.60
Closing costs + prepaids$10,364.03
Total buyer cash needed$166,443.63
Remaining funds due$166,443.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$829.50
Prepaid interest, first (25 days)$309.53
Fees + prepaids$10,364.03
Your down payment is the seller’s equity. You take over the $143,920 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $166,443.63 is due at closing. Uses and sources reconcile at $310,364.03 each. Not a Closing Disclosure.