Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,088Cash toward the purchase price.
Closing costs + prepaids$10,461Not just lender fees.
Before credits & paid funds$178,549The complete starting cash picture.
Estimated remaining funds due at closing
$178,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,088.24
Your down payment$168,088.24
Closing costs + prepaids$10,461.08
Total buyer cash needed$178,549.32
Remaining funds due$178,549.32
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)$118.25
Initial HOA (3 months)$1,005.00
Prepaid interest, first (1 days)$13.83
Fees + prepaids$10,461.08
Your down payment is the seller’s equity. You take over the $141,812 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $178,549.32 is due at closing. Uses and sources reconcile at $320,361.08 each. Not a Closing Disclosure.