Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$175,502Cash toward the purchase price.
Closing costs + prepaids$9,689Not just lender fees.
Before credits & paid funds$185,192The complete starting cash picture.
Estimated remaining funds due at closing
$185,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,502.39
Your down payment$175,502.39
Closing costs + prepaids$9,689.21
Total buyer cash needed$185,191.60
Remaining funds due$185,191.60
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)$105.21
Fees + prepaids$9,689.21
Your down payment is the seller’s equity. You take over the $124,398 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $185,191.60 is due at closing. Uses and sources reconcile at $309,589.21 each. Not a Closing Disclosure.