Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,067Cash toward the purchase price.
Closing costs + prepaids$10,927Not just lender fees.
Before credits & paid funds$106,995The complete starting cash picture.
Estimated remaining funds due at closing
$106,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,067.16
Your down payment$96,067.16
Closing costs + prepaids$10,927.41
Total buyer cash needed$106,994.57
Remaining funds due$106,994.57
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)$507.25
Initial HOA (3 months)$726.00
Prepaid interest, first (27 days)$469.16
Fees + prepaids$10,927.41
Your down payment is the seller’s equity. You take over the $203,933 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $106,994.57 is due at closing. Uses and sources reconcile at $310,927.41 each. Not a Closing Disclosure.