Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$169,756Cash toward the purchase price.
Closing costs + prepaids$10,408Not just lender fees.
Before credits & paid funds$180,164The complete starting cash picture.
Estimated remaining funds due at closing
$180,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,756.32
Your down payment$169,756.32
Closing costs + prepaids$10,407.98
Total buyer cash needed$180,164.30
Remaining funds due$180,164.30
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)$1,156.50
Prepaid interest, first (2 days)$26.48
Fees + prepaids$10,407.98
Your down payment is the seller’s equity. You take over the $130,244 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $180,164.30 is due at closing. Uses and sources reconcile at $310,407.98 each. Not a Closing Disclosure.