Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,184Cash toward the purchase price.
Closing costs + prepaids$9,417Not just lender fees.
Before credits & paid funds$172,601The complete starting cash picture.
Estimated remaining funds due at closing
$172,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,184.45
Your down payment$163,184.45
Closing costs + prepaids$9,416.78
Total buyer cash needed$172,601.24
Remaining funds due$172,601.24
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)$177.25
Prepaid interest, first (1 days)$14.54
Fees + prepaids$9,416.78
Your down payment is the seller’s equity. You take over the $136,815 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $172,601.24 is due at closing. Uses and sources reconcile at $309,415.78 each. Not a Closing Disclosure.