Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,419Cash toward the purchase price.
Closing costs + prepaids$10,875Not just lender fees.
Before credits & paid funds$179,294The complete starting cash picture.
Estimated remaining funds due at closing
$179,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,419.05
Your down payment$168,419.05
Closing costs + prepaids$10,875.03
Total buyer cash needed$179,294.08
Remaining funds due$179,294.08
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)$118.25
Initial HOA (3 months)$1,005.00
Prepaid interest, first (31 days)$427.78
Fees + prepaids$10,875.03
Your down payment is the seller’s equity. You take over the $141,481 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $179,294.08 is due at closing. Uses and sources reconcile at $320,775.03 each. Not a Closing Disclosure.