Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$162,701Cash toward the purchase price.
Closing costs + prepaids$9,725Not just lender fees.
Before credits & paid funds$172,427The complete starting cash picture.
Estimated remaining funds due at closing
$172,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,701.49
Your down payment$162,701.49
Closing costs + prepaids$9,725.50
Total buyer cash needed$172,426.99
Remaining funds due$172,426.99
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)$360.00
Prepaid interest, first (9 days)$140.50
Fees + prepaids$9,725.50
Your down payment is the seller’s equity. You take over the $137,299 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $172,426.99 is due at closing. Uses and sources reconcile at $309,725.50 each. Not a Closing Disclosure.