Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,381Cash toward the purchase price.
Closing costs + prepaids$9,473Not just lender fees.
Before credits & paid funds$177,854The complete starting cash picture.
Estimated remaining funds due at closing
$177,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,380.57
Your down payment$168,380.57
Closing costs + prepaids$9,472.96
Total buyer cash needed$177,853.53
Remaining funds due$177,853.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$237.50
Prepaid interest, first (1 days)$10.46
Fees + prepaids$9,472.96
Your down payment is the seller’s equity. You take over the $131,619 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $177,853.53 is due at closing. Uses and sources reconcile at $309,472.96 each. Not a Closing Disclosure.