Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$282,453Cash toward the purchase price.
Closing costs + prepaids$10,866Not just lender fees.
Before credits & paid funds$293,318The complete starting cash picture.
Estimated remaining funds due at closing
$293,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,452.60
Your down payment$282,452.60
Closing costs + prepaids$10,865.75
Total buyer cash needed$293,318.35
Remaining funds due$293,318.35
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)$493.25
Initial HOA (3 months)$1,110.00
Prepaid interest, first (26 days)$37.50
Fees + prepaids$10,865.75
Your down payment is the seller’s equity. You take over the $17,547 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $293,318.35 is due at closing. Uses and sources reconcile at $310,865.75 each. Not a Closing Disclosure.