Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$158,518Cash toward the purchase price.
Closing costs + prepaids$10,728Not just lender fees.
Before credits & paid funds$169,246The complete starting cash picture.
Estimated remaining funds due at closing
$169,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,518.05
Your down payment$158,518.05
Closing costs + prepaids$10,727.98
Total buyer cash needed$169,246.04
Remaining funds due$169,246.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$360.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (10 days)$137.99
Fees + prepaids$10,727.98
Your down payment is the seller’s equity. You take over the $141,481 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $169,246.04 is due at closing. Uses and sources reconcile at $310,726.98 each. Not a Closing Disclosure.