Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,599Cash toward the purchase price.
Closing costs + prepaids$9,987Not just lender fees.
Before credits & paid funds$177,587The complete starting cash picture.
Estimated remaining funds due at closing
$177,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,599.28
Your down payment$167,599.28
Closing costs + prepaids$9,987.34
Total buyer cash needed$177,586.63
Remaining funds due$177,586.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$747.50
Prepaid interest, first (2 days)$24.84
Fees + prepaids$9,987.34
Your down payment is the seller’s equity. You take over the $131,401 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $177,586.63 is due at closing. Uses and sources reconcile at $308,987.34 each. Not a Closing Disclosure.