Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$127,319Cash toward the purchase price.
Closing costs + prepaids$10,111Not just lender fees.
Before credits & paid funds$137,430The complete starting cash picture.
Estimated remaining funds due at closing
$137,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,318.59
Your down payment$127,318.59
Closing costs + prepaids$10,111.31
Total buyer cash needed$137,429.90
Remaining funds due$137,429.90
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
Initial HOA (3 months)$399.00
Prepaid interest, first (9 days)$127.31
Fees + prepaids$10,111.31
Your down payment is the seller’s equity. You take over the $172,681 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $137,429.90 is due at closing. Uses and sources reconcile at $310,111.31 each. Not a Closing Disclosure.