Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$170,631Cash toward the purchase price.
Closing costs + prepaids$10,833Not just lender fees.
Before credits & paid funds$181,464The complete starting cash picture.
Estimated remaining funds due at closing
$181,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,630.86
Your down payment$170,630.86
Closing costs + prepaids$10,833.32
Total buyer cash needed$181,464.18
Remaining funds due$181,464.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$790.25
Initial HOA (3 months)$660.00
Prepaid interest, first (4 days)$59.07
Fees + prepaids$10,833.32
Your down payment is the seller’s equity. You take over the $139,269 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $181,464.18 is due at closing. Uses and sources reconcile at $320,733.32 each. Not a Closing Disclosure.