Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$158,977Cash toward the purchase price.
Closing costs + prepaids$9,996Not just lender fees.
Before credits & paid funds$168,973The complete starting cash picture.
Estimated remaining funds due at closing
$168,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,977.26
Your down payment$158,977.26
Closing costs + prepaids$9,995.66
Total buyer cash needed$168,972.92
Remaining funds due$168,972.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$457.50
Prepaid interest, first (23 days)$263.16
Fees + prepaids$9,995.66
Your down payment is the seller’s equity. You take over the $146,023 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $168,972.92 is due at closing. Uses and sources reconcile at $314,995.66 each. Not a Closing Disclosure.