Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,753Cash toward the purchase price.
Closing costs + prepaids$9,722Not just lender fees.
Before credits & paid funds$244,475The complete starting cash picture.
Estimated remaining funds due at closing
$244,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,753.20
Your down payment$234,753.20
Closing costs + prepaids$9,721.77
Total buyer cash needed$244,474.96
Remaining funds due$244,474.96
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)$293.25
Prepaid interest, first (23 days)$203.52
Fees + prepaids$9,721.77
Your down payment is the seller’s equity. You take over the $65,247 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $244,474.96 is due at closing. Uses and sources reconcile at $309,721.77 each. Not a Closing Disclosure.