Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$167,609Cash toward the purchase price.
Closing costs + prepaids$9,786Not just lender fees.
Before credits & paid funds$177,395The complete starting cash picture.
Estimated remaining funds due at closing
$177,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,608.61
Your down payment$167,608.61
Closing costs + prepaids$9,786.47
Total buyer cash needed$177,395.08
Remaining funds due$177,395.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$370.75
Prepaid interest, first (10 days)$100.72
Fees + prepaids$9,786.47
Your down payment is the seller’s equity. You take over the $141,391 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $177,395.08 is due at closing. Uses and sources reconcile at $318,786.47 each. Not a Closing Disclosure.