Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$167,609Cash toward the purchase price.
Closing costs + prepaids$9,727Not just lender fees.
Before credits & paid funds$177,336The complete starting cash picture.
Estimated remaining funds due at closing
$177,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,608.61
Your down payment$167,608.61
Closing costs + prepaids$9,726.93
Total buyer cash needed$177,335.55
Remaining funds due$177,335.55
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)$210.50
Prepaid interest, first (20 days)$201.43
Fees + prepaids$9,726.93
Your down payment is the seller’s equity. You take over the $141,391 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $177,335.55 is due at closing. Uses and sources reconcile at $318,726.93 each. Not a Closing Disclosure.