Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$180,766Cash toward the purchase price.
Closing costs + prepaids$9,685Not just lender fees.
Before credits & paid funds$190,451The complete starting cash picture.
Estimated remaining funds due at closing
$190,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,766.28
Your down payment$180,766.28
Closing costs + prepaids$9,685.05
Total buyer cash needed$190,451.33
Remaining funds due$190,451.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$360.00
Prepaid interest, first (9 days)$101.05
Fees + prepaids$9,685.05
Your down payment is the seller’s equity. You take over the $119,134 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $190,451.33 is due at closing. Uses and sources reconcile at $309,585.05 each. Not a Closing Disclosure.