Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$142,945Cash toward the purchase price.
Closing costs + prepaids$9,781Not just lender fees.
Before credits & paid funds$152,726The complete starting cash picture.
Estimated remaining funds due at closing
$152,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,945.35
Your down payment$142,945.35
Closing costs + prepaids$9,780.76
Total buyer cash needed$152,726.11
Remaining funds due$152,726.11
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)$239.50
Prepaid interest, first (25 days)$316.26
Fees + prepaids$9,780.76
Your down payment is the seller’s equity. You take over the $157,055 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $152,726.11 is due at closing. Uses and sources reconcile at $309,780.76 each. Not a Closing Disclosure.