Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$167,519Cash toward the purchase price.
Closing costs + prepaids$10,714Not just lender fees.
Before credits & paid funds$178,233The complete starting cash picture.
Estimated remaining funds due at closing
$178,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,519.05
Your down payment$167,519.05
Closing costs + prepaids$10,714.23
Total buyer cash needed$178,233.29
Remaining funds due$178,233.29
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)$118.25
Initial HOA (3 months)$1,005.00
Prepaid interest, first (20 days)$275.98
Fees + prepaids$10,714.23
Your down payment is the seller’s equity. You take over the $141,481 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $178,233.29 is due at closing. Uses and sources reconcile at $319,714.23 each. Not a Closing Disclosure.