Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$170,672Cash toward the purchase price.
Closing costs + prepaids$11,213Not just lender fees.
Before credits & paid funds$181,885The complete starting cash picture.
Estimated remaining funds due at closing
$181,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,671.82
Your down payment$170,671.82
Closing costs + prepaids$11,212.80
Total buyer cash needed$181,884.62
Remaining funds due$181,884.62
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)$690.75
Initial HOA (3 months)$801.00
Prepaid interest, first (28 days)$496.05
Fees + prepaids$11,212.80
Your down payment is the seller’s equity. You take over the $129,328 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $181,884.62 is due at closing. Uses and sources reconcile at $311,212.80 each. Not a Closing Disclosure.